Policies and Procedures GuideAdministration, Individual Savings and Retirement

Table of Contents

Table of Contents .................................................................................................................................................................... 1

Introduction ............................................................................................................................................................................ 3

Deposit or Transfer-In: Segregated Funds .............................................................................................................................. 4

Deposit or Transfer-In: Guaranteed Interest Fund ................................................................................................................. 5

Regular Issue ........................................................................................................................................................................... 6

RESP Issue ............................................................................................................................................................................... 7

Single Premium Annuity (SPA) Issue ....................................................................................................................................... 8

Loan ......................................................................................................................................................................................... 9

Regular Surrender ................................................................................................................................................................. 10

RESP Surrender ..................................................................................................................................................................... 11

Transfer to Another Institution (Transfer-Out) ..................................................................................................................... 12

Change of Participant ............................................................................................................................................................ 13

Change of RESP Contract Participant .................................................................................................................................... 14

Conversion or Change of Registration .................................................................................................................................. 15

Automatic Investment Term (AIT) ........................................................................................................................................ 16

Guaranteed Investment Reinvestment Instructions............................................................................................................. 17

PAD – Pre-Authorized Debit .................................................................................................................................................. 18

Reset and Change of Guarantee Maturity Date ................................................................................................................... 19

Transfers ............................................................................................................................................................................... 20

Income Payment, Enrolment and Modification: PIP, RRIF and LIF ....................................................................................... 21

Prestige Grouping Creation/Modification ............................................................................................................................ 22

Death, Separation and Divorce ............................................................................................................................................. 23

Death, Separation and Divorce (RESP) .................................................................................................................................. 24

Death: Single Premium Annuity (SPA) .................................................................................................................................. 25

Advisor Centre – My Clients Section ..................................................................................................................................... 26

Advisor Centre – My Tools and Applications Section ........................................................................................................... 27

Advisor Centre – Evo Section ................................................................................................................................................ 28

Appendix A – Table of Required Signatures .......................................................................................................................... 29

Appendix B – Table of Fees ................................................................................................................................................... 30

Appendix C -1 – Accepted Payment Methods ...................................................................................................................... 31

Appendix C -2 – Accepted Payment Methods ...................................................................................................................... 33

Appendix D – Accepted Transactions by Phone or by Email Without Signatures ................................................................ 34

Appendix E – Transactional Delays ....................................................................................................................................... 35

Appendix F – Reference Documents ..................................................................................................................................... 36

Table of Contents (Alphabetical Order) ................................................................................................................................ 37

Individual Savings and Retirement | Introduction 3

Introduction BACK

This guide is intended for advisors and agency staff only.

The effective date of financial transactions is the date at which all duly required documents are received at Head Office, except for transactions processed by the agencies themselves. This does not apply to FundSERV transactions or HI TFSAs directly subscribed by the client.

If information is missing in order to complete a transaction, the effective date of the financial transaction will be the date at which all required information will be received.

Subject to applicable laws and contractual provisions, Administration may, at any time, modify the information contained in this guide.

This guide does not apply to Nominee/Intermediary contracts. For these contracts, refer to the administrative guide for transactions made through FundSERV.

Please contact our Customer Service Department if you require any additional information.

Contact Information Individual Savings and Retirement Administration

Centre Quebec City – Head Office Toronto Service Centre Vancouver Service Centre

Toll-Free Number 1-844-4iA-INFO (1-844-442-4636)

Fax 418-684-5161 416-585-8810 604-689-9682

Toll-Free Fax 1-855-685-5161 1-800-810-0197 1 833 832-7474

Information savings@ia.ca

Transactions IAQtransactions@ia.ca IATtransactions@ia.ca IAV-transactions@ia.ca

Updated on : February 05, 2020

Individual Savings and Retirement | Deposit or Transfer-In: Segregated Funds 4

Deposit or Transfer-In: Segregated Funds BACK

General information

- No transactions in a fund can be performed using a known value (i.e., retroactively). If an investment instruction is missing (AIT DIF+) or incorrect, the date of the investment will be the date on which the complete information is received at Head Office.

- The minimum required deposit by cheque is $100 and the minimum investment per fund is $5. - Multiple sales charges may be applied to the same contract. However for Ecoflex and My Education contracts, if the client has a

“No fees” contract (CB or FEL), no deposit can be made in funds with charges (DSC). - Receipts will be issued to the annuitant except in the case where a contributor spouse is in the contract. - For contracts issued before 1993 that do not include funds, none can be added. A new contract must be issued. - To offset the transfer fees of another institution, we agree to reimburse an amount equal to the lesser of: i) the actual transfer

fees, and ii) the commission payable to the advisor. You must submit the F51-271A form with the transfer request or when we receive the amount. You must send a proof of the costs of the transferring institution. The initial deposit and reimbursement must be processed in the same week. No claims will be accepted after receiving the amount.

FORLIFE Series – Only available only for IAG Savings and Retirement Plan contracts issued on or after November 24, 2014. For the Income stage, the minimum age is 50 and the minimum investment is $25,000. For more details, consult the IAG SRP Product Guide. Prestige Preferential Pricing – Available for clients or groupings with a total value of consolidated assets of $300,000 and over. For more details, consult the IAG SRP Product Guide or the My Education+ Product Guide or the F13-1000 document. F-Class Funds – Form F51-348A F-Class Advisory Fee Agreement is required to invest in these funds unless an advisory rate is already in effect in the contract.

Required forms (see the accepted forms list for valid versions)

▪ Issue forms (See Regular Issue or RESP Issue section for more details)

Or

▪ F51-153A-1 Deposit and Investment Transaction Request

Or

▪ F51-184A-1 Request for deposit and modification to investments - RESP

Or

▪ F51-165A – If the amount is invested in the Money Market Fund "Dollar Cost Averaging (DCA)" Fund 545, the F51-153A-1 form is not required

Or

▪ F51-348A – If the amount is invested in F-Class funds. The form is not required if there is already an advisory fee rate in effect in the contract.

Or

▪ F51-147A Transfer Authorization for Registered and Non-registered Investments:

¤ Enter the investment instructions in Section B. ¤ For locked-in contracts, complete the “Locked-in confirmation” part of Section B. ¤ Attach form F51-165A for the DCA (if applicable).

If money from a Registered Pension Plan (RPP), a federal T2151 form is required.

RESP – For a transfer-in, use form SDE 0100 (Part A): Subscriber request. For the QESI (Quebec), attach form TP1029.8.IQ.

The SDE 0100 (Part A) request must be sent directly to Head Office, not to the other institution.

Note - Please use the fund numbers in F13-1000A or F13-1005A for investment instructions or prestige preferential pricing. - Advisors must forward the form directly to the other institution (except for RESPs) and attach a copy of all documents submitted to the Application or Subsequent Deposit form. Funds must be transferred in cash, never in kind.

Accepted methods for submitting a request

- Copies of investment instructions (except for a new application) - Original cheque only (see table of Accepted Payment Methods in the appendices for more details)

Required signatures

- Applicant (and co-applicant, where applicable) or advisor with LTA for deposits made in an existing contract

Individual Savings and Retirement | Deposit or Transfer-In: Guaranteed Interest Fund 5

Deposit or Transfer-In: Guaranteed Interest Fund BACK

General information

- If information is lacking to complete a transaction, the effective date of the financial transaction is the date at which such required information is received.

- The minimum required deposit by cheque is $500. - The interest rate given is the one in force on the effective date, unless a signed guaranteed rate agreement is received by Head

Office within five business days of signing. - If no information is provided regarding the interest type (simple or compound rate), the compound rate will be applied. - It is possible to have a rate increase of a common value (for guaranteed interest funds only) in another contract held by the

client. Special instructions to this effect must be indicated on the request. - For a simple interest, if the interest is to be paid monthly, the interest rate will be slightly reduced according to the Guaranteed

Interest Funds (GIF) - Monthly Rates table. Rate guarantee agreement: - Available for all terms offered by the Company, except progressive rates. - Duly signed document must be received at Head Office within five business days of the signature date. - Guarantee is irrevocable. This means that the rate indicated on the agreement will be the one granted on the investment,

regardless of whether the rate is higher on the date on which the amounts are received. For this reason, the interest rate guarantee agreement must be signed by the annuitant (applicant) or the Advisor (without LTA).

- If the money is not received at Head Office within 60 calendar days of signing of the agreement, the interest rate applied will be the current rate in effect.

- If the amounts are generated by maturing guaranteed investments, no guaranteed rate agreement can be made more than 45 calendar days before the date of reinvestment.

- If using the rate guarantee, the rate that is guaranteed is the annualized rate, iA will then reduce it to the corresponding monthly rate.

Investment maturity: - The renewal notice will be mailed within 15 calendar days prior to the renewal and the client will have 15 calendar days after

the maturity date to provide renewal or withdrawal instructions according to the contract. Not applicable if the reinvestment was made in a segregated fund.

- Clients may provide prior reinvestment instructions at maturity for the interest, principal, or interest and principal. See Guaranteed Investment Reinvestment Instructions section for more details.

Required forms (see the accepted forms list for valid versions)

▪ F17A IAG SRP Application (See Regular Issue section for more details) Or

▪ F51-153A-1 Deposit and Investment Transaction Request Or

▪ F51-184A-1 Request for deposit and modification to investments - RESP

Or ▪ F51-147A Transfer Authorization for Registered and Non-registered Investments

¤ Enter the deposit instructions in Section B. ¤ For locked-in contracts, complete the “Locked-in confirmation” part of Section B.

If money from a Registered Pension Plan (RPP), a federal T2151 or other transfer form is required.

Note RESP – For a transfer-in, use form SDE 0100 (Part A): Subscriber request. For the QESI (Quebec), attach form TP1029.8.IQ. The SDE 0100 (Part A) request must be sent directly to Head Office, not to the other institution. My Education+ – Guaranteed interest funds are not available.

▪ F50-238A Interest rate guarantee agreement (if applicable, applicant or advisor without LTA signature required)

Accepted methods for submitting a request

- Copies of investment instructions (except for a new application) - Original cheque only (see table of Accepted Payment Methods in the appendices for more details)

Required signatures

- Applicant (and co-applicant, where applicable) or advisor with LTA for deposits made in an existing contract

Individual Savings and Retirement | Regular Issue 6

Regular Issue BACK

RRSP, LIRA, Non-Reg – TFSA, RRIF and LIF General information - Terms of issue: According to the type of registration, payment of premium by cheque (minimum $100), by DPA (minimum of

$25) or by inter-institution transfer upon presentation of request (F51-147A). - Maximum age at issue:

▪ For RRSP, LIRA or locked-in RRSP: 71 ▪ For non-registered accounts and TFSAs: December 31st the year the annuitant turns 90. ▪ For transfers from a RRIF or LIF: December 31st the year the annuitant turns 90. ▪ LIF under the jurisdiction of Newfoundland/Labrador: December 31st the year the annuitant turns 80.

- For option details at issue refer to sections on Deposit in Funds, Deposit in Guaranteed Interest Funds, Income Payment, PAD, Loan or AIT.

- QROPS: A different version of the applicable is needed. Contact our client relation specialist at savings@ia.ca for more details.

Required forms (see the accepted forms list for valid versions)

RRSP, LIRA and LOCKED-IN RRSP ▪ F17A – IAG SRP application or F17EA for electronic

extranet issue ▪ F51-122A – Investor profile (for segregated funds only) ▪ Client cheque (if applicable) ▪ Void personalized cheque for PADs or PIP (if applicable) ▪ Cheque from another institution with confirmation of

registration and jurisdiction for locked-in contracts

RRIF and LIF ▪ F17A – IAG SRP application ▪ F51-122A – Investor profile (for segregated funds only) ▪ Void personalized cheque for payment into RRIF or LIF ▪ Proof of age of the annuitant (and spouse, where applicable) ▪ Cheque from another institution with confirmation of

registration and jurisdiction for locked-in contracts

TFSA ▪ F17A-1 – IAG SRP application or F17EA-1 for electronic

extranet issue ▪ F51-122A – Investor profile (for segregated funds only) ▪ Client cheque (if applicable) ▪ Void personalized cheque for PADs or PIP (if applicable) ▪ Cheque from another institution with confirmation of

TFSA registration

Non-Registered ▪ F17A – IAG SRP application or F17EA for electronic extranet

issue ▪ F51-208A – Confirmation of identity required according to the

answers to the section 7 on the F17 ▪ F51-122A – Investor profile (for segregated funds only) ▪ Client cheque or void personalized cheque for PADs (if

applicable) ▪ You must include all other mandatory documents, depending

on the type of contract: ¤ Company resolution and confirmation of authorized

signatories ¤ Trust deed, mandate, act of tutorship, estate liquidation act,

or act of curatorship or administration

Note

Depending on the context, the following documents are required: ▪ Copy of F51-147A transfer between institution ▪ F51-153A-6 for intercontact transfer requests ▪ F51-312 company resolution (if applicable) ▪ F51-348A if investing is F-Class funds ▪ Locked-in plan: consult Locked-In Plan Guide for more details

*Whenever possible, use the F51-147A form instead of the T2033. Send the original transfer request directly to the other institution and send a copy to Head Office.

Accepted methods for submitting a request

- Only original documents are accepted for new applications.

Required signatures

- Applicant (and co-applicant, where applicable) - Advisor/Witness - Irrevocable beneficiary (where applicable) - Signature of annuitant’s spouse in LIF contracts (required in Ontario, Nova Scotia and Newfoundland and Labrador)

Individual Savings and Retirement | RESP Issue 7

RESP Issue BACK

General information

- The beneficiary and subscriber’s Social Insurance Numbers (SIN) are required. No taxation identification numbers (TIN) starting with “0” will be accepted.

- The lifetime contribution limit is $50,000. The annual contribution limit to receive grants is $2,500 ($5,000 if deferred grants are available).

Diploma contract: - Individual plan only (one beneficiary per contract) - Maximum age of beneficiary at issue: 14 - Terms of issue: Minimum $25 PAD mandatory - To avoid transcription errors, attach a void personalized cheque. My Education+ and My Education contracts: - Individual or family plan - Maximum age at issue is according to government rules - Terms of issue: Deposit or PAD. The subscriber may also subscribe to an RESP with no PAD or deposit provided he or she expects

to receive the Canada Learning Bond (CLB). Include all applicable information in this regard in the advisor’s special instructions section.

Investment instructions for grants - The client must provide us with an AIT for grant deposits. See AIT section for more details.

Required forms (see the accepted forms list for valid versions)

MY EDUCATION+ ▪ F38A – RESP My

Education+ individual or family application

▪ Client cheque or void cheque for PADs (where applicable)

▪ SDE 0093 – Grant request application (see notes below)

▪ F51-122A – Investor profile

DIPLOMA ▪ F38A – RESP Diploma

individual application ▪ Void cheque ▪ SDE 0093 – Grant

request application (see notes below)

▪ Client cheque (where applicable)

MY EDUCATION (INDIVIDUAL)

▪ F23A – Individual My Education application

▪ F24A – My Education Fund application

▪ Client cheque or void cheque for PADs (where applicable)

▪ SDE 0093 – Grant request application (see notes below)

▪ F51-122A – Investor profile

MY EDUCATION (FAMILY) ▪ F28A – Family My

Education application ▪ F24A – My Education

Fund application ▪ Client cheque or void

cheque for PADs (where applicable)

▪ SDE 0093 – Grant request application (see notes below)

▪ F51-122A – Investor profile

MANDATORY FORMS FOR ALL NEW APPLICATIONS (see details on the Government of Canada website) ▪ EDSC SDE 0093 – APPLICATION: Basic and Additional Canada Education Savings Grant (CESG) and Canada Learning Bond

(CLB). Attach the applicable appendices: ¤ Annex A – Additional Beneficiaries (SDE 0093-A) ¤ Annex B – Custodial Parent/Legal Guardian (SDE 0093-B) (if different than subscriber) ¤ Annex C – Application for Saskatchewan Advantage Grant for Education Savings (SAGES) (SDE 0093-C) ¤ Annex D – Application for British Columbia Training and Education Savings Grant (BCTESG) (SDE 0093-D) ¤ No form is required to apply for the Quebec Education Savings Incentive (QESI)

Note

For a transfer from another institution, please attach form SDE 0100 (Part A) – Subscriber request (where

applicable). For the QESI (Quebec), attach form TP1029.8.IQ. The SDE 0100 (Part A) request must be sent

directly to Head Office, not to the other institution.

Accepted methods for submitting a request - Only original documents are accepted for new applications signed manually. - Documents should not be sent to the service centre for new applications signed electronically. See Advisor Centre section for

more information.

Required signatures - Subscriber (and joint subscriber, where applicable) - Advisor

- Custodial parent or legal guardian whose name appears on the SDE application

Single Premium Annuity (SPA) Issue BACK

General information

Issue - Terms of issue: Minimum deposit of $25,000, payable by cheque or by interinstitution or intercontract transfer, upon

presentation of a copy of the application - Maximum age at issue: None - Illustration: Guaranteed rate and responsibility:

▪ The annuity purchase rate is guaranteed for 60 days, providing that the Company receives the illustration, the application and all documents required to process the application within 5 business days of the date on the form.

▪ The annuity payment amount shown in the illustration is not guaranteed.

Required forms (see the accepted forms list for valid versions)

▪ F30-78A Application to purchase a Single Premium Annuity ▪ F30-196A Enhanced annuity: Complete medical questionnaire (where applicable, and attach all other required documents) ▪ F51-208A Confirmation of identity (required only if the source of the money invested is a non-registered contract) ▪ Proof of age (also provide proof of spouse’s age if a joint and survivor annuity):

¤ Birth certificate ¤ Driver’s licence ¤ Health insurance card (Quebec residents) ¤ Passport ¤ Provincial or territorial identity cards

▪ Void personalized cheque ▪ Surviving spouse annuity waiver, if applicable (LIRA, locked-in RRSP, restricted locked-in RRSP, LIF, restricted LIF, locked-in

RRIF) ▪ Copy of the illustration ▪ Beneficiary designation (with percentage attributable to each) ▪ Cheque (if applicable) ▪ In the case of a transfer from another financial institution to an SPA (locked-in or not locked-in), you must use federal form

T2033 or F51-147A. The advisor must send the form directly to the other institution and attach a copy of all the transfer documents with the application.

▪ F51-153A-6 form required for internal transfers

Accepted methods for submitting a request

- Only original documents are accepted for new applications.

Required signatures

- Applicant - Advisor/Witness - Spouse (if illustration includes spouse declaration) - Irrevocable beneficiary (where applicable)

Individual Savings and Retirement | Loan 9

Loan BACK

General information

- Only original documents are accepted. If information is lacking to complete a transaction, the effective date of the financial transaction is the issue date, following a processing period (see Appendix E – Transactional Delays).

- Where the annual interest rate has increased, the new rate will apply to the new loan capital and to any existing amounts still due on prior loans.

RRSP Loan - Maximum of $ 50,000 and repayment period from 5 to 10 years (Minimum of $ 12,000 for a term of 6 years and over). See new

document F13-1007A for monthly repayment factors. - Maximum annuitant age at RRSP loan issue or renewal is set according to the term chosen and must not under any

circumstances exceed age 71. (For example, for a 68-year-old annuitant, a maximum term of 36 months will be allowed.) - The client must have accumulated a minimum of $500 in a variable annuity contract to take advantage of the 120-day option

before beginning to repay the loan (applicable to RRSP loans only). - Following a lump sum payment, the monthly amount to be repaid remains the same and the contract provisions regarding the

repayment period cannot be changed. The loan may therefore be repaid earlier than stated in the contract. - RRSP Loan Calculator is available on ia.ca RESP Loan - Minimum of $ 500 per request. - Annual maximum of $ 5,000 per beneficiary. - The RESP loan balance (after the increase if any)-to-admissible value (Value of the RESP – grants – return (if any)) ratio must be

less than or equal to 50% in the event of an RESP loan issue or increase. Investment Loan - Proof of income is always mandatory. - The Company reserves the right to request additional documents to validate the borrower’s assets and/or liabilities. - The loan is meant for individuals only and must be invested in a non-registered contract.

Required forms (see the accepted forms list for valid versions)

RRSP LOAN ▪ F16A RRSP Loan Application or F16EA Electronic RRSP

Loan Application ▪ See all required documents for RRSP issue or attach,

where applicable, form F51-153A-1: Deposit request form for existing contracts

▪ Void cheque for repayment ▪ $500 cheque if the client has chosen the 120-day

option but has no annuity contract ▪ For a loan of $25,000 or over, mandatory to attach

proof of income and the last federal assessment notice for confirmation of unused contributions

INVESTMENT LOAN ▪ F31A Investment Loan Application ▪ F51-208A Confirmation of identity ▪ See all required documents for issue or attach, where

applicable, form F51-153A-1: Deposit request form for existing contracts

▪ Void cheque for repayment

RESP LOAN ▪ F39A – RESP Loan Application and Contract ▪ See all required documents for RESP issue (where

applicable) ▪ Void cheque for repayment (if applicable)

LOAN PAD CHANGES ▪ Complete form F51-153A-1 or F51-184A-1 for PAD

changes ▪ The minimum amount per frequency for repayment

must be respected

Accepted methods for submitting a request

- Only original documents are accepted for loan applications and issue documents (where applicable). PDF versions of the applications are available.

Required signatures

- Borrower (the person in whose name the contribution receipt is issued for an RRSP loan) - Co-borrower (where applicable) - Irrevocable beneficiary (where applicable) - Advisor/Witness

Individual Savings and Retirement | Regular Surrender 10

Regular Surrender BACK

RRSP, LIRA, Non-Reg Account, TFSA, RRIF AND LIF General information - If information is lacking to complete a transaction, the effective date of the financial transaction is the date at which such

required information is received. - Requests received before 4:00 p.m. (ET) will be processed the same day. (note that certain transactions may be processed over 2

business days) - Requests received after 4:00 p.m. (ET) will be processed the next business day. - If the contract contains a loan, the loan must be repaid before any withdrawals are made. - Redemption fees and any advisory fees plus taxes are applicable according to the terms of the contract. - The minimum redemption amount is $100 for all product types. Funds - In the event of a partial surrender, the request must indicate the amount or percentage to be withdrawn from each fund. - Such requests must also indicate whether it is a gross or net surrender, failing which it will be set as “gross” by default. For guaranteed interest fund investments - Upon redemption of an investment before maturity, fees are applicable under the terms of the contract. Part of the capital and

interest will be redeemed (no requests for interest only will be accepted before maturity). - For a partial redemption, indicate which investments are to be redeemed. If no instructions are given, the investment(s) closest

to maturity will be redeemed, up to the amount indicated. - For a partial redemption, indicate whether the redemption is gross (redemption does not include fees and interest) or net

(redemption for the exact amount the client will receive). Right to surrender without surrender fees - No-fee surrender (10% or 20%, depending on the contract) is spread over two separate amounts and cannot be combined:

▪ One for GIFs ▪ One for funds

Surrender from the Guaranteed Surrender Series in an Ecoflextra, Ecoflextra Series 75/100, or FORLIFE Series (LSA, LSO, Eligible Surrender Amount (ESA), and FORLIFE Income)

- Any amount in excess of the amount permitted to be withdrawn will be refused unless there is a note attached from the client stating that he/she understands that there will be a downward adjustment and that he/she is aware of its impact.

Required forms (see the accepted forms list for valid versions)

▪ F51-153A-2 Request to surrender paid to client (except for RESP and locked-in contracts) ▪ For direct deposit: A void personalized cheque is mandatory

Other types of withdrawals paid to the client: ▪ Home Buyer’s Plan (HBP): Federal form T1036 must be completed ▪ Lifelong Learning Plan (LLP): Federal form RC96 must be completed ▪ Reimbursements of excess contribution: Federal form T3012 duly authorized by the CRA ▪ For RESP contracts, see RESP Surrender ▪ For LIRA and LIF contracts, see the guide on Managing locked-in plans.

Accepted methods for submitting a request

- Copies are accepted. If copies are sent, please do not submit original documents at a later date.

Required signatures

- Applicant (and co-applicant, where applicable) - Irrevocable beneficiary (where applicable) - Advisor or witness with LTA (except for HBP, LLP, excess contribution, locked-in product, companies, contracts where the

beneficiary is irrevocable and other legal entities without Notarised General power of attorney)

Individual Savings and Retirement | RESP Surrender 11

RESP Surrender BACK

General information

- If information is lacking to complete a transaction, the effective date of the financial transaction is the date at which such required information is received.

- Requests received before 4:00 p.m. (ET) will be processed the same day. (note that certain transactions may be processed over 2 business days)

- Requests received after 4:00 p.m. (ET) will be processed the next business day. - For partial surrenders, you must indicate the amount or percentage to be withdrawn from each fund. - For such surrenders, you must indicate whether the redemption is gross or net; failing which the default setting will be “gross”. - If the contract contains a loan, the loan must be repaid before a total withdrawal is allowed. For a partial withdrawal no

reimbursement is required, provided it complies with the 50% RESP loan balance-to-admissible value (Value of the RESP – grants – return (if any)) ratio.

- Redemption fees are charged according to the terms of the contract. Request to withdraw funds from an RESP for educational purposes (EAP) - Educational Assistance Payments (EAPs), paid to the beneficiary (by default) or to the subscriber (upon request), are made up of

grants and contract income. If the amount requested exceeds the sum of grants and income available or if only contributions remain on the contract, the total or the balance will be paid to the subscriber (by default) or to the beneficiary (upon request) as a withdrawal of contributions for post-secondary education (PSE).

- The subscriber can request that funds be withdrawn solely from contributions, even if the contract provides for grants and income. To do so, the subscriber must enter the desired amount in the “Withdrawal of Contributions” box on the F51-183A-1 form.

- The request must include the following information about the educational institution: ▪ Type of institution (be specific) ▪ Total program length (number of years required to obtain diploma) ▪ Start date of the current semester ▪ Postal code of the school ▪ Year of program in which the beneficiary is currently enrolled ▪ Duration of the current semester (in weeks)

See instructions on the F51-183A-1 form for more details about an EAP withdrawal from an RESP.

Request to withdraw funds from an RESP for non-educational purposes - Grants will be returned in part or in full to the appropriate level of government if the request to withdraw contributions is made

for purposes other than education. - In the event of a request to withdraw all contributions, the client must provide the Company with the name of an educational

institution if the income remaining on the contract is less than $100.

See instructions on the F51-183A-2 form for more details about an RESP withdrawal for non-educational purposes.

Required forms (see the accepted forms list for valid versions)

▪ F51-183A-1 Request to withdraw funds from an RESP for educational purposes ¤ For Educational Assistance Payments (EAP), proof of enrolment must be included ¤ For direct deposit: Void personalized cheque in the subscriber’s name ¤ For an EAP: Void personalized cheque in the name of the RESP beneficiary

▪ F51-183A-2 Request to withdraw funds from an RESP for non-educational purposes

Accepted methods for submitting a request

- Copies are accepted. If copies are sent, please do not submit original documents at a later date.

Required signatures

- Subscriber - Joint subscriber (where applicable) - Advisor/Witness

Individual Savings and Retirement | Transfer to Another Institution (Transfer-Out) 12

Transfer to Another Institution (Transfer-Out) BACK

General information

- If information is lacking to complete a transaction, the effective date of the financial transaction is the date at which such required information is received.

- Requests received before 4:00 p.m. (ET) will be processed the same day. - Requests received after 4:00 p.m. (ET) will be processed the next business day. - There is a waiting period before the cheque is sent to allow the advisor to retain his/her client, unless the form has been

previously stamped by the agency or signed by the current advisor (see Appendix E – Transactional Delays). - For partial or total transfers (except in the case of the Money Market Fund) within 90 days of investing in a fund, the frequent

trading fee equal to 2% of the amount of the transaction may be applied. - If the surrender request concerns a specific amount, you must indicate the amount or percentage to be withdrawn from each

fund. - Upon surrender of a specific amount, you must indicate whether the redemption is gross or net, failing which the default setting

will be “net.” - Redemption fees and any advisory fees plus taxes are applicable according to the terms of the contract. An additional

administrative fee of $35 will also be applied. The 10% free redemption amount is not available for this type of transaction.

Required forms (see the accepted forms list for valid versions)

- RRSP, TFSA, LIRA, RRIF, and LIF contracts (The transfer of the funds must always be in cash, not in kind) ▪ T2033 or other transfer request document from another financial institution

RESP contract RESP transfer-out request to Head Office and not directly to the other institution ▪ SDE 0100 (Part A) Subscriber request ▪ TP1029.8.IQ Transfer Between Registered Education Savings Plans (RESP) for the Québec Education Savings Incentive

(QESI)

Accepted methods for submitting a request

- Copies are accepted. If copies are sent, please do not submit original documents at a later date.

Required signatures

RRSP, TFSA, LIRA, RRIF, and LIF contracts - Applicant - Co-applicant (where applicable) - Irrevocable beneficiary (where applicable) RESP contract - Subscriber (mandatory) - Joint subscriber (where applicable) - Advisor/Witness

Individual Savings and Retirement | Change of Participant 13

Change of Participant BACK

(Annuitant, applicant, successor annuitant or beneficiary)

General information

- Change of annuitant: Complete sections C and I, where applicable, of form F51-153A-3 to provide a new guarantee maturity date.

- Change of annuitant, applicant or co-applicant: Complete sections B and C, where applicable, of form F51-153A-3. - For the addition or removal of the successor annuitant: Complete Section D of form F51-153A-3. - For a change of applicant: Provide a new CID /CIDE benefit application (if applicable). - For PAD payment mode, remember to change the banking information if necessary using form F51-153A-1. - The new Applicant is bound by any in-force advisory fee agreement relating to the Contract. To strop the agreement, a request

for transfer to the FAI funds at 0% with a note is required. For a agreement fee rate change, a new agreement F51-348A with client signature is required.

Required forms (see the accepted forms list for valid versions)

▪ F51-153A-3 Request for change with regard to the annuitant/applicant/co-applicant/beneficiary ▪ For non-registered contracts, you must attach a new F51-208A form for the applicant or co-applicant. Also, if the

annuitant is the owner of the contract, a new F51-208A form is required. ▪ F51-122A Investor profile (for segregated funds only) ▪ Other documents:

¤ Company: New company resolution ¤ Changes to a contract with a legal entity (guardianship, curatorship, trustee, administrator): Legal documents

required

Accepted methods for submitting a request

- Copies are accepted. If copies are sent, please do not submit original documents at a later date.

Required signatures

- Annuitant (according to the request) - Applicant and co-applicant (according to the request) - Irrevocable beneficiary before and after the change (where applicable)

Individual Savings and Retirement | Change of RESP Contract Participant 14

Change of RESP Contract Participant BACK

(Subscriber, replacing subscriber, joint subscriber, RESP beneficiary, primary caregiver and legal guardian)

General information

- If information is lacking to complete a transaction, the effective date of the financial transaction is the date at which such required information is received.

- For all changes, provide the CID or CIDE benefit application form (F51-298A), if applicable. The CID or CIDE can be cancelled by entering a special note to this effect on the form.

- For PAD payment mode, remember to change the banking information if necessary using form F51-184A-1. Change of subscriber (F51-184A-2, sections A and D) - The subscriber may only be changed in the event of separation, divorce or death. See “Death, Separation and Divorce (RESP)”

for more details. Addition or change of replacing subscriber (F51-184A-2, sections B and D) - On the subscriber’s and joint subscriber’s death, the replacing subscriber becomes the subscriber and the annuitant, on

condition of accepting and respecting the plan rules. Addition of joint subscriber (F51-184A-2, sections A and D) - Indicate the relationship between the subscriber and joint subscriber. - The existing LTA in the file will no longer be valid. Submit a new LTA. Addition of a beneficiary to a family RESP (F51-184A-2, sections E and F) - If the beneficiary is under 19 years old and the subscriber is not the legal guardian, information about the legal guardian of the

beneficiary must be provided on the F51-184A-2 form. Replacement of a beneficiary (F51-184A-2, sections C and D) - To be entitled to grants, the new beneficiary must be the brother or sister of the beneficiary he or she is replacing and be under

21 years old at contract issue (or hold an Industrial Alliance RESP that was opened before he or she reached age 21). If the new and former beneficiaries are related to the subscriber by blood or adoption, both must be under 21 years of age.

- Use the SDE 0100 (Part A) form as you would for an outgoing transfer (the $35 fee does not apply) as well as the TP1029.8.IQ form (Quebec only).

- Enter the deposit instructions from an existing contract or prepare a new contract. Also attach the SDE 0093 grant application form with the applicable appendices.

- After a change or addition, a new contract containing the same clauses and conditions will be issued within two days. Primary caregiver or legal guardian - Send the Company a special note from the advisor and attach the SDE 0093 grant application form and the appropriate annexes

(see the “RESP Issue” section for more details). Annexes A, B, C and D must be accompanied by the SDE 0093 form.

Required forms (see the accepted forms list for valid versions)

▪ F51-184A-2 Request for change in relation to participants of an RESP: Complete the applicable sections ▪ SDE 0093 Grant application form with applicable appendices: See the “RESP Issue” section for more details ▪ Void personalized cheque for PADs (if applicable) ▪ F51-122A Investor profile (for segregated funds only)

Other documents for a replacement of beneficiary ▪ SDE 0100 (Part A) Subscriber request ▪ TP1029.8.IQ Transfer Between Registered Education Savings Plans (RESPs) for the Québec Education Savings Incentive

(QESI)

Accepted methods for submitting a request

- Copies are accepted. If copies are sent, please do not submit original documents at a later date.

Required signatures

- Subscriber (and joint subscriber, where applicable) - Advisor/Witness - Custodial parent and primary caregiver on the SDE

Individual Savings and Retirement | Conversion or Change of Registration 15

Conversion or Change of Registration BACK

General information

- All conversions or changes of registration will generate a new contract number. RRSP to RRIF or LIRA to LIF - If the RRSP includes a loan, the loan must be repaid before the conversion can go ahead. - If the beneficiary is irrevocable at the time of conversion, his or her signature is required if the payment exceeds the minimum

allowed. - When a registration change is processed within 24 months of the first conversion, the commission paid will be recovered (where

applicable). RRIF to RRSP or LIF to LIRA - The minimum payment for the year will be paid to the client following a change of registration from RRIF to RRSP or from LIF to

LIRA/locked-in RRSP. RLIF - For RLIF conversion (federal), attach the required forms according to the locked-in jurisdiction. See Managing locked-in plans

guide for more details.

Please note that for an RRSP or LIRA conversion request, only the annual instalment frequency is permitted when the market value of the contract is less than $5,000. For more details on the terms of payment, see the Income Payment section.

Required forms (see the accepted forms list for valid versions)

RRSP to RRIF or LIRA to LIF ▪ F12A form ▪ Proof of age of the annuitant ▪ Proof of age of the spouse, if age is to be used for calculating the minimum ▪ Void personalized cheque

RRIF to RRSP or LIF to LIRA ▪ T2030 form for a RRIF to RRSP or LIF to LIRA/locked-in RRSP transfer, depending on the jurisdiction

Note See "Income Payment" section for more details.

Accepted methods for submitting a request

- Copies are accepted. If copies are sent, please do not submit original documents at a later date.

Required signatures

- Applicant - Irrevocable beneficiary (where applicable) - Spouse for LIFs in Ontario, Nova Scotia or Alberta (if applicable)

Individual Savings and Retirement | Automatic Investment Term (AIT) 16

Automatic Investment Term (AIT) BACK

General information

- There are now two options for AIT: ▪ PAD AIT

¤ See PAD section for more details ▪ DIF+ AIT:

¤ Segregated funds: $5 minimum investment per fund ¤ Guaranteed Interest Fund: Indicate the minimum investment amount (either $500 or $1,000), the term and the type of

interest rate (simple or compound) ¤ Daily interest fund +: No minimum.

- It is possible to give instructions for segregated funds and the DIF+ at the same time. - For an AIT change request, please be sure to make your request for the PAD AIT or the DIF+ AIT (if applicable), failing which both

AITs will be changed. - AITs are not applicable for FORLIFE Series Income Stage Funds. RESP - You must provide an AIT for the CLB, QESI and BCTESG grants. - The High Interest Account (My Education+ only) does not allow for an AIT.

Required forms (see the accepted forms list for valid versions)

▪ F51-153A-1 Deposit and Investment Transaction Request

▪ F51-153A-5 Inter-funds or Inter-series Transfer Request ¤ Use the Special Instructions section at the time of your request

▪ F51-184A-1 Request for deposit and modifications to investments in an RESP

▪ F51-348A F-Class Advisory Fee Agreement if investment instructions for F-Class funds (required if there isn’t already an advisory fee rate in effect on the contract)

Accepted methods for submitting a request

- Copies are accepted. If copies are sent, please do not submit original documents at a later date.

Required signatures

- Applicant (and co-applicant, where applicable) or

- Advisor with LTA

Individual Savings and Retirement | Guaranteed Investment Reinvestment Instructions 17

Guaranteed Investment Reinvestment Instructions BACK

General information

- If there are no instructions for handling guaranteed investments at maturity, the investments will be transferred to the Daily Interest Fund (DIF) and invested according to the AIT established for the DIF, where applicable.

- Reinvestment instructions may be given at the time of purchase or before maturity. - Indicate the term and the type of interest rate (simple or compound). Instructions before maturity - Instructions for handling guaranteed investments at maturity may be transmitted to the Company via the application form or by

special instructions at the time of investment or after the investment as follows: ▪ Transfer to the Daily Interest Fund (the DIF AIT, where applicable, will be deleted) ▪ Automatic reinvestment in the same AIT ▪ Automatic reinvestment in another AIT, fund or FIQ+ (indicate the new AIT with its interest rate or % invested per fund/

FIQ+) ▪ Instructions for payment at maturity (for non-registered contracts)

¤ Direct deposit (attach a void personalized cheque) ¤ Payment by cheque

▪ Payment instructions for simple interest (for TFSA and non-registered, direct deposit is recommended) Instructions after maturity - The notice of renewal will be mailed no later than 15 calendar days prior to the renewal and the client will have 15 calendar

days after the maturity date to give us instructions for renewal or withdrawal, according to the contract, except where the reinvestment was made into segregated funds.

- After 15 days, an exchange (switch) transaction will be processed at the current date. Fees may apply.

Required forms (see the accepted forms list for valid versions)

▪ F51-153A-1 Deposit and Investment Transaction Request ▪ For direct deposit at maturity of non-registered contracts or TFSAs: Void personalized cheque is mandatory

▪ F51-153A-6 Request for transfer within or between contracts

▪ F51-348A F-Class Advisory Fee Agreement if investment instructions for F-Class funds (required if there isn’t already an advisory fee rate in effect on the contract)

Note Submit a notice of correction for requests made within 15 days following maturity (unless reinvestment was made into the fund).

Accepted methods for submitting a request

- Copies are accepted. If copies are sent, please do not submit original documents at a later date.

Required signatures

- Applicant (and co-applicant, where applicable) or

- Advisor with LTA

Individual Savings and Retirement | PAD – Pre-Authorized Debit 18

PAD – Pre-Authorized Debit BACK

(Non-registered accounts, TFSA, RRSP and RESP)

General information

- A period of 3 business days following reception at the service centre is required for PAD activation (for new issue) or to modify the next PAD.

- The minimum amount for a pre-authorized debit PAD) is $25, regardless of frequency. Frequency - If no start date is specified, the PAD will begin the month following the date of signature of the agreement and will be made

according to the selected frequency. - The option called "End of month" (EOM) is not available for a PAD loan reimbursement. - When the PAD frequency is "weekly" or "every two weeks" and a cheque is returned by the bank marked NSF, the client may no

longer be entitled to select a PAD frequency other than monthly. Automatic Investment Term for PAD (AIT on PAD) - The application must indicate the investment instructions for the PAD while taking into account the following criteria:

▪ Segregated funds: Minimum PAD of $5 per fund. ▪ Daily Interest Fund (DIF) (not available for My Education+): You may also invest the PAD in the DIF directly. ▪ Guaranteed Interest Fund (not available for My Education+): The money will be transferred first to the DIF and then

accumulated (if applicable) until the minimum amount of $500 or $1000 is reached (if no instructions, the minimum will be $500).

▪ High Interest Account (available in My Education+ only): You may also invest the PAD in the High Interest Account directly. ▪ It is possible to give instructions for segregated funds and the DIF+ at the same time.

PAD for loan reimbursement - Any PAD amount used to reimburse a loan may be reduced to no less than the minimum monthly repayment. Diploma PAD - The PAD start date may not exceed 30 days following the signature date of the PAD /EFT Agreement - Only monthly frequency is available. In the event of a change of date, the client must submit payment in the current month in

order to meet his or her commitment. - If the Diploma PAD amount is reduced, fees may be charged to the client. - The Diploma commitment must be up to date before a client is allowed to increase the PAD amount. - To avoid transcription errors in the event of new banking details, attach a void personalized cheque.

Required forms (see the accepted forms list for valid versions)

RRSP, TFSA, Non-registered ▪ F51-153A-1 Deposit Request, Investment Transactions and PAD Agreement/Change ▪ Void personalized cheque or banking confirmation ▪ F51-348A F-Class Advisory Fee Agreement if investment instructions for F-Class funds (required if there isn’t already an

advisory fee rate in effect on the contract)

RESP ▪ F51-184A-1 Request for Deposit and Modifications to Investments – RESP

Accepted methods for submitting a request

- Copies are accepted. If copies are sent, please do not submit original documents at a later date.

Required signatures

- See the Table of Required Signatures for details by type of request.

Individual Savings and Retirement | Reset and Change of Guarantee Maturity Date 19

Reset and Change of Guarantee Maturity Date BACK

General information

- If information is lacking to complete a transaction, the effective date of the financial transaction is the date at which such required information is received.

- See document F13-1001A Summary of Guarantees for more details. Reset - When a request is processed, the Market Value (MV) will have no impact on the Guaranteed Minimum Value (GMV) if the MV is

less than the GMV, but the request will lower the number of resets remaining for the rest of the calendar year. - No reset is permitted in the 15 years prior to the guarantee maturity date for the Ecoflex Series 100/100 of an IAG SRP contract

and in the 10 years prior to the guarantee maturity date for an Ecoflex/My Education contract. - For Guarantee 6 contracts, it is possible to request a reset by postponing the maturity date by 10 years. You absolutely need to

request a change of maturity date for these cases and not just a reset. - Within the 15 years prior to the maturity date for the IAG SRP Ecoflex Series 100/100, one reset per calendar year of the

guaranteed minimum value at death is permitted until the age of 80. - As of the first investment in the IAG SRP Series 75/100 or Series 75/100 Prestige, one reset per calendar year of the guaranteed

minimum value at death is permitted until the age of 85. - As of the first investment in the Savings Stage (only) of the IAG SRP FORLIFE Series, one reset per calendar year of the

guaranteed minimum value at death is permitted until the age of 80. - For certain products, resets are not permitted. For more information, see document F13-1001A Summary of Guarantees. Change of guarantee maturity date: - The new maturity date must be at least 10 years from the date of application for an Ecoflex contract and at least 15 years for

the Ecoflex Series 100/100 of an IAG SRP contract. - RESP:

▪ The new guarantee maturity date must be dated at least 10 years from the date of application and should not exceed the RESP’s termination date.

▪ For certain products, the guarantee maturity date cannot be changed. For more information, see document F13-1001A Summary of Guarantees.

- RRSP, LIRA, TFSA OR NON-REGISTERED CONTRACTS: ▪ GUARANTEE 6: The new maturity date must be between the annuitant’s 55th and 69th birthday. ▪ GUARANTEE 5: The new maturity date must be between the annuitant’s 60th and 71st birthday. No changes may be

requested within 10 years prior to the current maturity date.

Required forms (see the accepted forms list for valid versions)

▪ F51-153A-1 Deposit Request, Investment Transactions and PAD Agreement/Change ▪ F51-184A-1 Request for Deposit and Modifications to Investments – RESP

Accepted methods for submitting a request

- Copies are accepted. If copies are sent, please do not submit original documents at a later date.

Required signatures

- Applicant (and co-applicant, where applicable) or

- Advisor without LTA (for reset only)

Individual Savings and Retirement | Transfers 20

Transfers BACK

Interfund, Interseries, Intercontract, Intracontract General information - If information is lacking to complete a transaction, the effective date of the financial transaction is the date at which such

required information is received. - Requests received before 4:00 p.m. (ET) will be processed the same day. - Requests received after 4:00 p.m. (ET) will be processed the next business day. - A frequent trading fee of 2% of the transaction amount may be applied. - Redemption fees and any advisory fees plus taxes are applicable according to the terms of the contract for any transfer for a

different type of investment. For interfund transfers (switch): Transfer between funds is allowed for the Income Stage of the IAG SRP FORLIFE Series. However, a recalculation of the FORLIFE Income will be done based on the current income rate and the age of the client. For interseries transfers: The minimum guaranteed value at maturity and at death will be recalculated as if it were a new deposit. For intercontract or intracontract transfers: - The following rule applies when the destination is Investment Funds: The fee type must be FEL at 0% or F-Class if the investment

transferred from the High Interest Savings - Account or DIF+ was initially invested in investments funds.Transaction processing may take up to two days. The investment will

be made on the second day. - If the transfer request concerns a specific amount, you must indicate the amount or percentage to be withdrawn from each fund. - Upon surrender of a specific amount in an intercontract transfer, you must indicate whether the redemption is gross or net.

Required forms (see the accepted forms list for valid versions)

▪ F51-153A-5 Request for transfer between funds and inter-series switch

▪ F51-153A-6 Request for transfer within or between contracts ▪ F50-238A Interest rate guarantee agreement. Must be signed by annuitant (applicant) or advisor (without LTA on file) to

guarantee the rate for an investment maturing within 45 days. Must be received within five days of signing.

▪ F51-348A F-Class Advisory Fee Agreement if investment instructions for F-Class funds (required if there isn’t already an advisory fee rate in effect on the destination contract)

Note Please use document F13-1000A for the fund codes to be used in your investment instructions.

Accepted methods for submitting a request

- Copies are accepted. If copies are sent, please do not submit original documents at a later date.

Required signatures

- Applicant - Co-applicant (where applicable) - Irrevocable beneficiary (where applicable) - Advisor/Witness with LTA

Individual Savings and Retirement | Income Payment, Enrolment and Modification: PIP, RRIF and LIF 21

Income Payment, Enrolment and Modification: PIP, RRIF and LIF BACK

General information

- All void cheques must bear the bank account owner’s name pre-printed in the upper left corner. A duly completed bank confirmation form is also accepted.

- For an RRSP or LIRA conversion request, only the annual instalment frequency is permitted when the market value of the contract is less than $5,000.

- An Automatic Withdrawal Term is mandatory. The sum of the percentages must equal 100%. Periodic Income Plan (PIP) - Payment is processed the same day as the effective date and the client will receive the payment according to postal delivery

times or by direct deposit. - It is possible to create several PIP payments for the same contract. - Dates of payment between the 1st and the 6th of the month are not available for FORLIFE Income, LSA and GSA payment types. - To have a PIP, the market value of the investment funds in the contract must be of at least $10,000. RRIF and LIF contracts - If the monthly date is 29, 30 or 31, the monthly option at end of each month will be default dated on 29, 30 or 31, depending on

the month. - For RRIF or LIF, quarterly and semi-annual options are also available.

Ecoflextra Series, Guaranteed Surrender Series (LSA or GSA) or Income Stage of the FORLIFE Series - For a PIP, RRIF, LIF or a conversion request to an RRIF or LIF , when the payment amount is to be debited from funds in the

Ecoflextra Guaranteed Surrender Series, the Ecoflextra 75/100 Series or the FORLIFE Series in the IAG SRP, the payment mode must be LSA , GSA and FORLIFE Income, depending on the contract.

- Even if the minimum RRIF or LIF exceeds the LSA, GSA or FORLIFE Income amount, you must select LSA, GSA or FORLIFE Income as the payment mode and the payment will adjust to the minimum without a downward adjustment.

Required forms (see the accepted forms list for valid versions)

▪ F17A/F17EA or F17A-1/F17EA-1 IAG SRP Application for new client ▪ Void personalized cheque

▪ F51-153A-4 Payments, Instructions for AWT and Lifetime Surrender Option ▪ Void personalized cheque

or ▪ F12A Conversion request (if applicable)

Note See Conversion or Change of Registration section for more details.

Accepted methods for submitting a request

- For the F17A application, only original documents are accepted at issue. - For the F51-153A-4 or F12A, copies are accepted.

If copies are sent, please do not submit original documents at a later date.

Required signatures

- Applicant - Co-applicant (where applicable) - Advisor/Witness - Irrevocable beneficiary (where applicable)

Individual Savings and Retirement | Prestige Grouping Creation/Modification 22

Prestige Grouping Creation/Modification BACK

General information

- All members of the grouping benefit from Prestige preferential pricing when the assets of the owner and the members participating in the grouping’s eligibility reach $300,000.

Grouping creation or adding a member: - Complete the following sections:

▪ Advisor information; ▪ Grouping creation or adding a member; and ▪ Consent/signatures.

Modifications: - Complete the following sections:

▪ Advisor information; ▪ Modifications; and ▪ Consent/signatures.

Required forms (see the accepted forms list for valid versions)

▪ F51-322A Grouping creation/modification ▪ F51-312A Company resolution (where applicable)

Note It may be possible for the assets under a company contract to be added to the assets of a company shareholder not named as the annuitant. This can be indicated on the form by providing the company contract number and attaching a copy of the company resolution.

Accepted methods for submitting a request

- Copies are accepted (copy sent by fax only). Copies sent by email are not accepted given the confidential nature of the information on the form. If copies are sent, please do not submit original documents at a later date.

Required signatures

Signatures required for grouping creation: ▪ Grouping owner; and ▪ Members whose assets will count towards the grouping’s

eligibility for Prestige preferential pricing, if applicable.

Signatures required when adding a member: ▪ Grouping owner (or his/her advisor); and ▪ Member added, if the member’s assets will count towards the

grouping’s eligibility for Prestige preferential pricing.

Signature required for modifications: ▪ If the modification is for a member’s assets to count towards the grouping’s eligibility for Prestige preferential pricing: o Member for whom the modification is requested.

▪ For any other modification: o Grouping owner (or his/her advisor); or o Member for whom the modification is requested (or

his/her advisor).

Individual Savings and Retirement | Death, Separation and Divorce 23

Death, Separation and Divorce BACK

General information

- The effective date of the financial transaction is the date at which all required information is received. Death - When the payment must be made to more than four beneficiaries, complete a second F37-14A form. - If the beneficiary or beneficiaries are minors, the form must be completed and signed by the legal guardian (for Quebec

residents) or by the designated trustee (other provinces). You must attach the minor’s proof of birth and provide all the information regarding the legal guardians (or parents). See details on the F37-14A form.

- If a successor annuitant is named in the contract, a rollover is mandatory (except for Ecoflex contracts). - If no successor annuitant is named in the contract at the time of death and if the beneficiary is the spouse, the spouse will have

the choice between a spousal rollover or a successor annuitant rollover (except for Ecoflex contracts). Separation and divorce - Both parties must sign the T2220 form. F-Class: The new Applicant is bound by any in-force advisory fee agreement relating to the Contract. To strop the agreement, a request for transfer to the FAI funds at 0% with a note is required. For a agreement fee rate change, a new agreement F51-348A with client signature is required.

Required forms (see the accepted forms list for valid versions)

Death and payment ▪ F37-14A Death Claimant’s Statement ▪ Copy of proof of death ▪ Minor beneficiary:

¤ Proof of birth (Quebec residents only) ¤ Act of guardianship or trustee

Death and transfer to another contract ▪ F37-14A Death Claimant’s Statement ▪ Copy of proof of death ▪ Minor beneficiary:

¤ Proof of birth (Quebec residents only) ¤ Act of guardianship or trustee

▪ F17A application to issue an IAG SRP or F51-153A-1 for deposit in an existing contract

▪ Form F51-153A-3, Section B (if applicable)

Death and transfer to another institution ▪ F37-14A Death Claimant’s Statement ▪ Copy of proof of death ▪ T2033 transfer form

Death and rollover to spouse or dependent child (change of annuitant)

▪ F37-14A Death Claimant’s Statement ▪ Copy of proof of death ▪ F51-208A Confirmation of identity (non-registered

contract only) ▪ F51-122A Investor profile ▪ Minor beneficiary:

¤ Proof of birth (Quebec residents only) ¤ Act of guardianship or trustee

Separation and divorce ▪ Federal form T2220 ▪ F51-216A for a transfer from a TFSA to another TFSA ▪ F51-153A-2 Surrender Request from the Applicant (for a partial transfer) ▪ F51-153A-1 for a transfer to another existing contract or F17A application for a new contract ▪ F51-153A-3 (and any other documents required per the contract) for an applicant change request when the client wishes

to keep the same contract features

Note Only a copy of the proof of death is required. Originals will not be returned to the client. If the new applicant is incapacitated, an incapacity mandate authorized by the court is required along with the request.

Accepted methods for submitting a request

- Copies are accepted. If copies are sent, please do not submit original documents at a later date.

Required signatures

- Death: One of the beneficiaries or claimant - Divorce: Both parties

Individual Savings and Retirement | Death, Separation and Divorce (RESP) 24

Death, Separation and Divorce (RESP) BACK

General information

- The effective date of the financial transaction is the date at which all required information is received. - A notarized document stating the name of the liquidator is needed (copy of will, marriage contract or another legal document) - Only a copy of the proof of death is required. Originals will not be returned to the client.

Required forms (see the accepted forms list for valid versions)

Death of the RESP beneficiary / Replacement ▪ Copy of proof of death ▪ F51-184A-2 Request for change in relation to

participants of an RESP (Sections C and D) ▪ SDE 0093 APPLICATION: Canada Education Savings

Grant (CESG), Basic and Additional, and Canada Learning Bond, as well as all applicable appendices (obligation until age 21)

▪ SDE 0100 (Part A) Subscriber request

Death of the RESP beneficiary / Payment ▪ Copy of proof of death ▪ F51-183A-2 Request to surrender form or ▪ If the subscriber wishes to transfer the income portion

of the RESP to his or her RRSP, proceed as follows: ¤ Federal form T1171 Transfer to RRSP ¤ F51-153A-1 Deposit request into an existing

contract or F17A Application to issue a new contract

Replacement of subscriber following death ▪ Copy of proof of death ▪ F51-184A-2 Request for change in relation to

participants of an RESP, Section A for the change of subscriber, Section D to confirm receipt of the Information Folder and the Fund Facts booklet, and Section B to name a replacing subscriber if applicable

▪ F51-184A-1 Request for deposit and modifications to investments in an RESP (if applicable)

▪ F51-298A Application for CIDE/CID insurance benefits (if applicable)

▪ F51-122A Investor profile (For My Education+ or My Education contract)

▪ SDE 0093 APPLICATION: Canada Education Savings Grant (CESG), Basic and Additional, and Canada Learning Bond, as well as all applicable annexes

▪ New void cheque for PADs (for Diploma contract). If there is no joint subscriber named in the contract, at the death of the subscriber, submit a notarized document stating the name of the liquidator (copy of the will, marriage contract or another legal document.)

Payment to the estate (subscriber death) ▪ F37-14A Death Claimant’s Statement ▪ Copy of proof of death ▪ Copy of will. If the document is unavailable, attach a

notarized document indicating the liquidator’s name.

Divorce (or separation of common law partners) ▪ Divorce (after a legal marriage): Provide the F51-184A-2 form and proof of divorce. ▪ Common law partners: Provide a letter of assignment of the contract rights signed by both parties and any other

applicable documents (see Change of RESP Contract Participant section).

Accepted methods for submitting a request

- Copy of documents are accepted, except for new F17A applications.

Required signatures

- Death of the RESP beneficiary / Replacement: Subscriber and joint subscriber if any - Death of the RESP subscriber / Replacement:

▪ Joint subscriber if any or ▪ Estate liquidator and designated new subscriber

- Death of the RESP beneficiary / Payment: Subscriber and joint subscriber if any - Death of the RESP subscriber / Payment: Estate liquidator - Divorce: Both parties

Individual Savings and Retirement | Death: Single Premium Annuity (SPA) 25

Death: Single Premium Annuity (SPA) BACK

General information

- Only a copy of the proof of death is required. Originals will not be returned to the client.

Required forms (see the accepted forms list for valid versions)

SPA – Death / Benefit payment ▪ F37-14A Death Claimant’s

Statement ▪ Copy of proof of death

SPA – Death / Benefit rollover ▪ F37-14A Death Claimant’s

Statement ▪ Copy of proof of death ▪ Void personalized cheque

SPA – Death / No benefit ▪ Copy of proof of death ▪ If income payments are made

after death, the Company must receive a cheque for reimbursement of payments made in excess.

▪ Provide the SPA contract number, name, address and phone number of the contact person.

Accepted methods for submitting a request

- Copies are accepted. If copies are sent, please do not submit original documents at a later date.

Required signatures

- One of the beneficiaries or claimants

Individual Savings and Retirement | Advisor Centre – My Clients Section 26

Advisor Centre – My Clients Section BACK

General information

- To access the Advisor Centre, please contact the Help Desk. - Please consult our training capsule to learn how to navigate in the Advisor Centre.

Consulting a contract

Sections Information

Financial information

Contract summary ▪ Shows the general information regarding the

client’s investments.

Guarantee information ▪ Shows the guaranteed values and version. Refer

to F13-1001A for further information.

Transaction history ▪ Shows the transactions by contract or by fund.

The transaction history only goes back to January 1, 2011.

Rates of return and performances

▪ Shows the rates of return for the contract’s investment funds calculated using the dollar-weighted method as well as the performance of each fund, calculated using the time-weighted method.

▪ Consult the document entitled Investment Statements | Explanatory Document to learn more about the different methods used to calculate the rates of return.

Eligibility – Prestige Series

▪ Identifies whether the client or the client’s grouping is eligible and the investments authorized for the Prestige preferential pricing. Refer to F13-1000A for further information.

General information

Participants ▪ Shows the client’s general information.

Death beneficiaries

▪ Allows the user to view beneficiary information. If “refer to file” is shown for a beneficiary, the information will be located in the archive and available upon request.

Advisor ▪ Shows the general information for the service

advisor assigned to the contract.

Limited Trading Authorization ▪ Shows whether or not the client has provided

authorization to the advisor.

Features

Investment instructions ▪ Shows the Automatic Investment Term (DIF AIT).

Pre-authorized cheque payment/Pre-authorized debit (PAD)

▪ Shows PAD details, banking information and PAD investment instructions.

RRSP or TFSA or RESP contributions ▪ Shows the years of contribution and the

contribution period.

RESP contributions ▪ Shows RESP contribution information.

Periodic payments ▪ Shows RRIF/LIF/PIP payment details.

Documents Your documents

▪ Allows you to consult and print your recent investment statements and tax documents. The investment statement history goes back to 2004, the tax receipt history goes back to 2006, and the tax slip history goes back to 2016. Consult the document entitled Investment Statements | Explanatory Document to learn more about the statements and the calculation of the rates of return.

Individual Savings and Retirement | Advisor Centre – My Tools and Applications Section 27

Advisor Centre – My Tools and Applications Section BACK

General information

The options below are only available to agencies who request them. Certain types of transactions may be approved by agency administrative personnel while others must be approved at head office. Provide all mandatory documents, depending on the transaction, the day after the transaction is executed to the Savings department to avoid duplicating the transaction. Please validate the documents required for the information stage when making the transaction.

My tools (applications)

Tools (applications) Information

New issue Presentation video

▪ Only permitted for non-registered contracts, TFSA, RRSP and LIRA. If another type, please submit using the regular paper application process. For example, do not submit a new LIRA if the contract is a LIF (F12A conversion request with F17EA LIRA enrolment is not permitted).

RESP new issue Presentation video

▪ Allows you to electronically open an RESP including the electronic signature. In the event of an electronic signature:

As stated in the rules governing pre-authorized debits, we must provide a before processing the electronic funds transfer (One-time PAD), see Appendix E – Transactional Delays.

▪ Offers a Demo mode in order to enable you to become more familiar with the tool ▪ To help you become more familiar with the electronic signature process and be able to offer

it to your clients, you can consult the following in the Document Centre of the Advisor Centre: o “Everything you need to know about electronic signature” quick reference o “Electronic signature steps” diagram o “Electronic signature in the RESP new issue application” video o Promotional flyer for your clients

RESP Loan Request Presentation video

▪ Allows to complete electronically an RESP loan request for an existing contract: o Information from the existing RESP is automatically generated o The interest rates are automatically displayed and the calculations made o The entry of the investment instruction is available o Two types of signatures are allowed:

• Electronic

• Handwritten

Subsequent deposit Presentation video

▪ Several types of deposit transactions are available. Please select the appropriate type. If the option does not exist, contact Customer Service to discuss the process and its limitations (e.g., RRIF and LIF).

Interfund transfer ▪ If the advisor does not have an LTA, attach the required document to the electronic request

(see presentation video for an example). Do not submit a paper copy of the request to the Savings department.

Surrender fee calculator Refer to p.3 of the document for an example of a payment

▪ Several calculation parameters are proposed: ¤ Surrender fee % table ¤ Payment to the client ¤ Transfer to another institution ¤ Surrender fee expiration date ¤ Amount available without fees

Statement upon request ▪ Shows the total return of the investment funds as well as the performance of each.

Electronic funds transfer

▪ The application allows a maximum of $100,000. Do not make the transfer in instalments. Requests for more than $100,000 must be forwarded with all required documentation to head office. ▪ If there is no active PAD and if new banking information must be used, submit a PAD

agreement and void cheque to the Savings department.

RRSP loan

▪ Allows entry of an RRSP loan application. ▪ Form F16EA must be provided for the loan application. ▪ The application shows the balance of an existing loan while data is being entered. If no

balance is shown, contact Customer Service to rectify the situation. ▪ To make an investment on another contract and increase the existing loan, both investment

contracts must be attached to the loan until it is paid in full.

Individual Savings and Retirement | Advisor Centre – Evo Section 28

Advisor Centre – Evo Section BACK

General information

The following options are available for all advisors. EVO allows the completion, rapidly and effectively, of the most common actions for the advisor. By using the EVO tools, there is no need to send paper forms to the head office, the transaction is electronic from beginning to end. For this reason, the client must have an email address as well as a cell phone since it is through the electronic signature that the transactions can be processed.

EVO

Tools (applications) Information

Portal

▪ Groups together multiple elements from the advisor centre, be it from within the context of a contract or from My tools and applications. The illustration, reset, and new issue tools can all be found at the same place.

▪ The client search allows the advisor to quickly enter a contract and use the features most used.

New Issue

▪ Allows for a contract to be opened completely electronically. ▪ Signed documents are available through the Transaction Follow-up - Individual Savings and

Retirement in the advisor centre.

Contribution

▪ Allows for one-time contributions, periodic contributions, or indexed periodic contributions to be processed completely electronically.

▪ Allows for the update of the Investor profile through the contribution tool. ▪ Signed documents are available through the Transaction Follow-up - Individual Savings and

Retirement in the advisor centre.

Individual Savings and Retirement | Appendix A – Table of Required Signatures 29

Appendix A – Table of Required Signatures BACK

Transactions Client Client or Advisor

with LTA Advisor

without LTA

Application / Deposit / Exchange (Switch)

New application and conversion X

Loan request X

Investor profile X

Subsequent deposit X

Interfund (Switch) and interseries transfers – F51-153A-5 X

Intracontract and intercontract transfers – F51-153A-6 X

Rate guarantee agreement – F50-238A X

F-Class Advisory Fee Agreement – F51-348A X

Surrender

Surrender with cheque (except RESP contracts and contracts where the beneficiary is irrevocable) X

Direct deposit with void personal cheque (except RESP contracts and contracts where the beneficiary is irrevocable)

X

External transfer (transfer-out) X

PIP issue X

Changes / modifications

Change of annuitant X

Change of applicant or co-applicant X

Change of beneficiary X

Name change X

Name change – correction only X

Date of birth – correction only X

Reset X

Change of guarantee maturity date X

Income amount change (PIP/RRIF/LIF) X

Income frequency change (PIP/RRIF/LIF) X

Income banking information change (PIP/RRIF/LIF) (void personalized cheque mandatory)

X

Income stop payment instruction (PIP/RRIF/LIF) X

Registration change X

CID addition or increase (including Diploma and My Education) X

Change of the F-Class Advisory Fee Agreement – F51-348A X

PAD transactions (includes My Education+ and My Education )

PAD enrolment (regular or one-time) X1

Modification of regular PAD (day, date, amount, frequency) X

Modification of loan reimbursement PAD (day, date, amount, frequency): minimum repayment amount must be respected

X

Modification of PAD AIT or DIF AIT X

Modification of banking information without change of payer X

Modification of banking information with change of payer X1

PAD reactivation (regular) X2

Termination of regular PAD X

Termination of loan reimbursement PAD: instructions concerning total reimbursement of the loan must be included with the request

X

RESP (Diploma, My Education+ and My Education)

Adding a beneficiary or joint subscriber X

Increase or decrease in PAD commitment (Diploma only) X

Suspension of PAD (Diploma only) X

Surrender (including EAP and AIP) X

Other

Copies of income tax slips/receipts or contract duplicates X

1 When the bank account holder is other than the client, he/she must sign the PAC/PAD agreement. The holder must also be clearly connected to the

owner of the contract and/or the annuitant. 2 Same banking information and account holder.

Individual Savings and Retirement | Appendix B – Table of Fees 30

Appendix B – Table of Fees BACK

In accordance with the General Conditions of contracts, the following transaction fees are in effect since January 1, 2013.

Individual Annuities Non-

Registered / RESP / TFSA

RRSP & LIRA RRIF & LIF Loan

Cancellation of loan within 60 days N/A N/A N/A $50

Cheque or withdrawal with non-sufficient funds $25 $25 $25 $25

Duplicate contract $50 $50 $50 $50

History of contract $50/hour $50/hour $50/hour $50/hour

Modification of loan following a separation or divorce N/A N/A N/A $50

Transfer-out $35 $35 $35 N/A

Correction fees for 6 months and more $50/hour $50/hour $50/hour $50/hour

Individual Savings and Retirement | Appendix C -1 – Accepted Payment Methods 31

Appendix C -1 – Accepted Payment Methods BACK

Deposits and new issues only

These guidelines apply solely to deposits; note that other rules may apply for surrenders and additional documents may be required. Also note that iA Financial Group reserves the right to request additional information or refuse payments at any time.

General information

Cheques

• Cheques must be made out to Industrial Alliance Insurance and Financial Services Inc.

• Must include the annuitant’s contract number

• The person signing the cheque must be duly authorized Pre-Authorized Debit (PAD)

• For new applications or modifications, iA requires: ¤ One of the following:

▪ A void cheque, or ▪ A bank confirmation issued from the financial institution holding the client’s account details, or ▪ A completed PAD agreement signed by the annuitant and the payer.

¤ AND The PAD agreement must be signed and attached.

Table of payment methods by type of registration

Payment Methods Non-Registered RESP TFSA RRSP

Source of the Cheque and/or PAD

Accountholder i.e. ABC inc deposits into ABC inc.’s contract / John Doe deposits into John Doe’s contract

Accountholder’s Spouse i.e. Jane Doe deposits into John Doe’s contract

Accountholder’s Parents i.e. John Doe Sr. deposits into John Doe Jr.’s contract

Company (sole shareholder, depositing in an individual’s contract) i.e. John Doe inc. deposits into John Doe’s contract

Company (more than one shareholder, depositing in an individual’s contract) i.e. ABC inc. deposits into John Doe’s contract

Accountholder’s Employer (depositing in an individual’s contract) i.e. XYZ inc. deposits into John Doe’s contract

Anyone else not mentioned above (uncle, sibling, neighbour, etc.) i.e. Jack Doe deposits into John Doe’s contract

iA Financial Group in the accountholder’s name i.e. iA Life Insurance deposits into John Doe’s contract

Canadian Financial Institution (bank, caisse, etc.) payable to iA for Accountholder i.e. RBC deposits into John Doe’s contract

Endorsed cheques by the accountholder, issued by a recognized financial institution. i.e. Manulife makes a cheque to John Doe who endorses it to iA

Endorsed cheques by the accountholder, produced by an individual. i.e. Susan Doe makes a cheque to John Doe who endorses it to iA

Advisor (except in the case of a personal contract) i.e. George Rep makes deposits into John Doe’s contract

Other Types of Payment

Cash Bank Drafts / Money Orders (from a Canadian Financial Institution) Money Orders (not issued by a Canadian Financial Institution like Canada Post) Traveller’s Cheques

Legend

Accepted

Further validation and/or documents may be required (see below for required documents)

Not Accepted

Individual Savings and Retirement | Appendix C -2 – Accepted Payment Methods 33

Appendix C -2 – Accepted Payment Methods BACK

Other Parties ▪ The depositor must clearly indicate that it is a “gift” or “donation” as well as their relation with the accountholder. ▪ Also note that, should at any point the Canada Revenue Agency (CRA) determine that the party/person or deposit is

defined as unauthorized; iA reserves the right to refuse and/or cease all further deposits.

Companies ▪ Company (sole shareholder, depositing in an individual’s contract)

o iA must be able to validate the owner of the company. If iA is unable to validate this information, documents such as company minutes or a company resolution may be requested.

▪ Company (more than one shareholder, depositing in an individual’s (one of the owner’s) contracts) o iA must be able to validate the owners of the company. If iA is unable to validate this information, documents

such as company minutes or a company resolution may be requested. ▪ Accountholder’s Employer (depositing in an individual’s contract)

o iA must be able to validate that this is the individual’s employer; proof of employment may be requested.

Bank Drafts / Money Orders (from a Canadian Financial Institution) Bank drafts or money orders are methods of payment that may be drawn directly from the account holder’s bank account, or may come from other sources (i.e. cash). These can only be accepted providing that the following requirements are met, and iA administration reserves the right to refuse this method of payment at any time (delays can be incurred for validation purposes, see Appendix E – Transactional Delays).

▪ Must be issued by a Canadian Financial Institution ▪ Must be made out to Industrial Alliance with the iA account holder’s name (or iA contract number) indicated on it ▪ Must be accompanied by a source of funds declaration form (F51-223A) or a banking confirmation stating that the

funds were taken from the client’s bank account

Individual Savings and Retirement | Appendix D – Accepted Transactions by Phone or by Email Without Signatures

34

Appendix D – Accepted Transactions by Phone or by Email Without Signatures BACK

By Phone or by Email Without Signatures

Legend

Accepted

Certain verifications need to be made before taking these transactions by phone or email

Not accepted

*Also applies to Diploma RESPs.

Transactions Contacted by

Client

Contacted by Advisor

with LTA

Contacted by Advisor

without LTA

Contacted by Administrative

Agency Staff

PAD Transactions (Includes My Education)

PAD enrolment (regular or one-time)

Modification of regular PAD (date, amount, frequency)

Modification of loan reimbursement PAD (date, amount, frequency): minimum repayment amount must be respected

Modification of PAD AIT or DIF AIT

Modification of banking information without change of payer

Modification of banking information with change of payer

PAD reactivation (regular or one-time) Termination of regular PAD

Termination of loan reimbursement PAD: instructions concerning total reimbursement of the loan must be included with the request

RESP (Diploma)

Increase or decrease in PAD commitment (Diploma only)

Suspension of PAD (Diploma only)

Request to reimburse missing PADs by EFT (also possible for My Education if requested)

Change/Modification

Non-financial correction

Other

Copies of income tax slips/receipts or contract duplicates

Address change

Stop payment upon notice of death

PIP/RRIF/LIF (except SPA): modification of payment date

Individual Savings and Retirement | Appendix E – Transactional Delays 35

Appendix E – Transactional Delays BACK

Standard delays

Type of of Request Standard Delays - Business Day

Surrender

Regular surrender 1

Tranfer-Out 1

Inter-contract 1

RESP Withdrawal 2

Changes

Swith/Inter-Series 1

Transfert within contract 1

PAD/PIP/AIT 1

RIFF/LIF sheet 1

Reset/Maturity Date 2

RESP Entities - Beneficiary, Subscriber 2

GIF at Maturity 2

Address 2

Beneficiairy 2

Conversion - RRIF/LIF 5

Issue

Regular with inital deposit 1

RESP 1

Regular without initial deposit 2

Loan

HBP Issue 1

HBP Loan Withdrawal 1

RESP 3

RRSP 3

Investment 5

Correction

Financial 5

Non-financial 5

Surrender Correction 5

Death Settlement

Payment 1

Transfer-Out 1

Rollover 10

Settlement without Benefits- Annuity 10

Tax Slip 5

IA Trust

Issue 1

Surrender 1

Changes 1

Miscellaneous

Limted Trading Authorization (LTA) 2

Investor Profile 2

Individual Savings and Retirement | Appendix F – Reference Documents 36

Appendix F – Reference Documents BACK

Administration documents

- Accepted forms list - F13-1000A Table of Fund Codes - Prestige Preferential Pricing – MER Reductions and Fund Codes - F13-1001A Summary of Guarantees – IAG SRP, Ecoflex, My Education, Ecoflextra, Ultraflex, etc. - Guide – Managing locked-in plans - Guide – Annuities transfers

Individual Savings and Retirement | Table of Contents (Alphabetical Order) 37

Table of Contents (Alphabetical Order)

Advisor Centre – Evo Section ................................................................................................................................................ 28

Advisor Centre – My Clients Section ..................................................................................................................................... 26

Advisor Centre – My Tools and Applications Section ........................................................................................................... 27

Appendix A – Table of Required Signatures .......................................................................................................................... 28

Appendix B – Table of Fees ................................................................................................................................................... 30

Appendix C -1 – Accepted Payment Methods ...................................................................................................................... 31

Appendix C -2 – Accepted Payment Methods ...................................................................................................................... 33

Appendix D – Accepted Transactions ................................................................................................................................... 34

Appendix E – Transactional Delays ....................................................................................................................................... 35

Appendix F – Reference Documents ..................................................................................................................................... 36

Automatic Investment Term (AIT) ........................................................................................................................................ 16

Change of Participant ............................................................................................................................................................ 13

Change of RESP Contract Participant .................................................................................................................................... 14

Conversion or Change of Registration .................................................................................................................................. 15

Death, Separation and Divorce (RESP) .................................................................................................................................. 24

Death, Separation and Divorce ............................................................................................................................................. 23

Death: Single Premium Annuity (SPA) .................................................................................................................................. 25

Deposit or Transfer-In: Guaranteed Interest Fund ................................................................................................................. 5

Deposit or Transfer-In: Segregated Funds .............................................................................................................................. 4

Guaranteed Investment Reinvestment Instructions............................................................................................................. 17

Income Payment, Enrolment and Modification: PIP, RRIF and LIF ....................................................................................... 21

Introduction ............................................................................................................................................................................ 3

Loan ......................................................................................................................................................................................... 9

PAD/PAD – Pre-authorized Cheque Payment/Pre-Authorized Debit ................................................................................... 18

Prestige Grouping Creation/Modification ............................................................................................................................ 22

Regular Issue ........................................................................................................................................................................... 6

Regular Surrender ................................................................................................................................................................. 10

Reset and Change of Guarantee Maturity Date ................................................................................................................... 19

RESP Issue ............................................................................................................................................................................... 7

RESP Surrender ..................................................................................................................................................................... 11

Single Premium Annuity (SPA) Issue ....................................................................................................................................... 8

Table of Contents .................................................................................................................................................................... 1

Table of Contents (Alphabetical Order) ................................................................................................................................ 37

Transfer to Another Institution (Transfer-Out) ..................................................................................................................... 12

Transfers ............................................................................................................................................................................... 20

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