Fillable 225 07 504E B2B Bank Financial Services Inc.-Investment Account Application

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225 07 504E B2B Bank Financial Services Inc.-Investment Account Application

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225-07-504E (10/31/2019)
B2B Bank is a trademark used under licence.
Use this application for the following investment
accounts:
• Individual
• Joint
•
TenantsInCommon
•
InTrustFor(InformalTrust)
•
Estate
•
Corporate
•
UnincorporatedOrganization
•
FormalTrust
Including Group Accounts
B2BBankFinancialServicesInc.
Investment Account Application
Importantnoticeregardingyourprivacy
We are committed to protecting your privacy and use the utmost discretion in handling the personal
informationyouentrustuswith.Pleasecarefullyreadtheprivacysectioncontainedintheapplication,
whichdescribeshowwecollect,hold,use,andwhenneeded,discloseyourpersonalinformationwhen
wedobusinesswithyou.
225-07-504E (10/31/2019)
Page
1. DealerandAdvisorName
Dealer name
Advisor name
Dealer #
Advisor #
B2B Bank
FinancialServicesInc.(“B2BBFSI”)
InvestmentAccountApplication
English French
For internal use
Language preference
Account Number
1 of 11
Date of birth (mm/dd/yyyy)
Initials
Province Postal code
Last name or Company/Organization name
# of Dependants
Apt.
Residence telephone number
First name
City
Email address
Business telephone number
1–Mr. 2–Mrs.
3–Miss 4–Ms.
5–Dr. 6–Prof.
4. ApplicantInformation
Business/Trust/Other entity number (for tax reporting)
Province Postal code
Mailing address if different from above
Apt.
City
Province Postal code
Employer address
Apt.
City
Cell telephone number
Employer name
Years with employer
2. AccountType(checkoneonly)
*Note:Attach a separate sheet for more than 2 applicants or ITF beneciaries. Joint accounts are limited to 4 applicants. ITF accounts are limited to a combined
total of 4 applicants and ITF beneciaries.
a) Individual
b) Joint Tenants with Rights of Survivorship* (not applicable in the province of
Quebec)
c) Tenants in Common* ("joint account" in Quebec)
d) In Trust For* (ITF - Informal trust; includes ITF accounts with co-applicants)
e) Estate: submit in Executor's name “as executor for the estate of...”
If any of a) - d) is checked, and it is also a Group account, check here
Group Number ________________
f) Corporation
g) Unincorporated Organization (ex. Association, Charity, Condo
Board, Partnership, etc.)
h) Formal Trust
• Please attach the Formal Trust agreement (prepared by client's
legal advisors)
• (Optional) Attach a separate sheet with trustees' and beneciaries'
addresses if different from Section 4
a) Retirement Planning b) Investment for Capital Gains/Income c) Special Purchase
d) Education e) Short Term Investing f) Other ____________________________________________
3. IntendedUseoftheAccount
What is the intended use of the account?
Detailed occupation (examples: actor, cook)
Employer telephone number
Status (examples: employed, unemployed, retired, student, never worked)
Industry/Type of Business (examples: entertainment, food service)
Country of Residence
Social Insurance Number
Citizenship
Full residential address (not a P.O. box)
*If status is either "Retired or Unemployed" please provide your previous Industry/Type of Business and Detailed occupation.
Import Data
Reset Form
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225-07-504E (10/31/2019)
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Are you: (i) an ofcer or director of a reporting issuer or any other issuer whose securities are publicly traded (e.g. an
entity whose securities are traded on a stock exchange or an over-the-counter market) (an “Issuer”); or
(ii) an ofcer or director of a company which is itself an insider or a subsidiary of such Issuer? YES NO
If yes, please list the Issuer(s): __________________________________________________________________
Are you designated as a Pro (licensed to sell securities)? YES NO
Do you: (i) benecially own; or
(ii) have control or direction over; or
(iii) have a combination of benecial ownership of, and control or direction over, directly or indirectly, securities of an
Issuer carrying more than 10% of the voting rights attached to all of the Issuer’s outstanding voting securities? YES NO
If yes, please list the Issuer(s): __________________________________________________________________
Do you or as part of a group, hold or control an Issuer? YES NO
If yes, please list the Issuer(s): __________________________________________________________________
Please refer to the denition of “Politically Exposed Foreign Person” (“PEFP”), “Politically Exposed Domestic Person” (“PEDP”), “Head of an International Organization”
(“HIO”) and the denition of Prescribed Family Member (“PFM”) included on this application form.
Is the Applicant a PEFP or is the Applicant a PEFP because the Applicant is a PFM of a PEFP or is the Applicant closely associated, for
personal or business reasons, with a PEFP?
YES NO
Is the Applicant a PEDP or is the Applicant a PEDP because the Applicant is a PFM of a PEDP or is the Applicant closely associated, for
personal or business reasons, with a PEDP?
YES NO
Is the Applicant a HIO or is the Applicant a HIO because the Applicant is a PFM of a HIO or is the Applicant closely associated, for
personal or business reasons, with a HIO?
YES NO
If the answer is “yes” to at least one question, please complete and attach the supplemental form - Politically Exposed Foreign or Domestic Person or Head of an
International Organization Statement.
4. ApplicantInformation(continued)
5. Applicant:DeclarationofTaxResidence
Tick(
)alloftheoptionsthatapplytoyou
The account is an entity account. If this is checked, please complete the CRA Form RC519 - Tax Residency Self-Certification for Entities.
Otherwise please complete this Declaration of tax residence section.
I am a tax resident of Canada
I am a tax resident or a citizen of the United States.
If you ticked this box, give your taxpayer identification number (TIN) from the United States:
If you do not have a TIN from the United States, have you applied for one? Yes No
I am a tax resident of a jurisdiction other than Canada or the United States
If you ticked this box provide your jurisdictions (i.e. countries) of tax residence and taxpayer identification numbers in the section below.
If you do not have a TIN for a specific jurisdiction, give the reason using one of these choices:
Reason 1: I will apply or have applied for a TIN but have not yet received it.
Reason 2: My jurisdiction of tax residence does not issue TINs to its residents.
Reason 3: Other reason:
Jurisdictionoftaxresidence Taxpayeridentificationnumber IfyoudonothaveaTIN,choosereason1,2,or3
TIN from the United States
Electronic delivery of client communications (including statements, trade conrmations, and tax documents) is faster, convenient and
environmentally conscious. By checking the box below, I wish to obtain my client communications electronically (where applicable). Please send
me the enrolment information for eDelivery and Investor Access. I agree to the foregoing
6. Co-ApplicantInformation
1–Mr. 2–Mrs.
3–Miss 4–Ms.
5–Dr. 6–Prof.
Check box if separate sheet attached with additional applicants
Is the Co-Applicant the spouse/common law partner of the Applicant? YES NO
InitialsLast name First name
Province Postal codeCity
Apt.
Date of birth (mm/dd/yyyy)
Residence telephone number Business telephone number
# of Dependants Email address
Cell telephone number
2 of 11
Country of Residence
Social Insurance Number
Citizenship
Full residential address (not a P.O. box):
Same as Applicant, or
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225-07-504E (10/31/2019)
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6. Co-ApplicantInformation(continued)
Employer address
Province Postal code
City
Apt.
Are you: (i) an ofcer or director of a reporting issuer or any other issuer whose securities are publicly traded (e.g. an
entity whose securities are traded on a stock exchange or an over-the-counter market) (an “Issuer”); or
(ii) an ofcer or director of a company which is itself an insider or a subsidiary of such Issuer? YES NO
If yes, please list the Issuer(s): __________________________________________________________________
Are you designated as a Pro (licensed to sell securities)? YES NO
Do you: (i) benecially own; or
(ii) have control or direction over; or
(iii) have a combination of benecial ownership of, and control or direction over, directly or indirectly, securities of an
Issuer carrying more than 10% of the voting rights attached to all of the Issuer’s outstanding voting securities? YES NO
If yes, please list the Issuer(s): __________________________________________________________________
Do you or as part of a group, hold or control an Issuer? YES NO
If yes, please list the Issuer(s): __________________________________________________________________
Please refer to the denition of “Politically Exposed Foreign Person” (“PEFP”), “Politically Exposed Domestic Person” (“PEDP”), “Head of an International Organization”
(“HIO”) and the denition of Prescribed Family Member (“PFM”) included on this application form.
Is the Co-Applicant a PEFP or is the Co-Applicant a PEFP because the Co-Applicant is a PFM of a PEFP or is the Co-Applicant closely
associated, for personal or business reasons, with a PEFP?
YES NO
Is the Co-Applicant a PEDP or is the Co-Applicant a PEDP because the Co-Applicant is a PFM of a PEDP or is the Co-Applicant closely
associated, for personal or business reasons, with a PEDP?
YES NO
Is the Co-Applicant a HIO or is the Co-Applicant a HIO because the Co-Applicant is a PFM of a HIO or is the Co-Applicant closely
associated, for personal or business reasons, with a HIO?
YES NO
If the answer is “yes” to at least one question, please complete and attach the supplemental form - Politically Exposed Foreign or Domestic Person or Head of an
International Organization Statement.
Employer name
Years with employer
7. Co-Applicant:DeclarationofTaxResidence
Tick(
)alloftheoptionsthatapplytoyou
The account is an entity account. If this is checked, please complete the CRA Form RC519 - Tax Residency Self-Certification for Entities.
Otherwise please complete this Declaration of tax residence section.
I am a tax resident of Canada
I am a tax resident or a citizen of the United States.
If you ticked this box, give your taxpayer identification number (TIN) from the United States:
If you do not have a TIN from the United States, have you applied for one? Yes No
I am a tax resident of a jurisdiction other than Canada or the United States
If you ticked this box provide your jurisdictions (i.e. countries) of tax residence and taxpayer identification numbers in the section below.
If you do not have a TIN for a specific jurisdiction, give the reason using one of these choices:
Reason 1: I will apply or have applied for a TIN but have not yet received it.
Reason 2: My jurisdiction of tax residence does not issue TINs to its residents.
Reason 3: Other reason:
Jurisdictionoftaxresidence Taxpayeridentificationnumber IfyoudonothaveaTIN,choosereason1,2,or3
TIN from the United States
Doyouwishtoreceiveduplicatecopiesofstatementsandconrmations?
No Yes – Statements Only Yes – Statements and Conrmations (applicable to conrmations issued by B2B Bank Financial Services Inc.)
3 of 11
Checkboxifseparatesheetattachedwithinformationonadditionalco-applicants.
Detailed occupation (examples: actor, cook)
Employer telephone number
Status (examples: employed, unemployed, retired, student, never worked)
Industry/Type of Business (examples: entertainment, food service)
*If status is either "Retired or Unemployed" please provide your previous Industry/Type of Business and Detailed occupation.
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4 of 11
8. Applicant'sSpousalInformation
1–Mr. 2–Mrs.
3–Miss 4–Ms.
5–Dr. 6–Prof.
Applicant'sspousalinformation(completeifspouseisnotaCo-Applicant)
Doyouhaveaspouse/commonlawpartner?Ifyes,completethissection YES NO
Last name First name
Province Postal codeCity
Apt.
Employer address
Province Postal codeCity
Apt.
Employer name
Years with employer
Are you: (i) an ofcer or director of a reporting issuer or any other issuer whose securities are publicly traded (e.g. an
entity whose securities are traded on a stock exchange or an over-the-counter market) (an “Issuer”); or
(ii) an ofcer or director of a company which is itself an insider or a subsidiary of such Issuer? YES NO
If yes, please list the Issuer(s): __________________________________________________________________
Are you designated as a Pro (licensed to sell securities)? YES NO
Do you: (i) benecially own; or
(ii) have control or direction over; or
(iii) have a combination of benecial ownership of, and control or direction over, directly or indirectly, securities of an
Issuer carrying more than 10% of the voting rights attached to all of the Issuer’s outstanding voting securities? YES NO
If yes, please list the Issuer(s): __________________________________________________________________
Do you or as part of a group, hold or control an Issuer? YES NO
If yes, please list the Issuer(s): __________________________________________________________________
Co-Applicant'sspousalinformation(completeifCo-ApplicantinnotApplicant'sspouse)
Doyouhaveaspouse/commonlawpartner?Ifyes,completethissection YES NO
Checkboxifseparatesheetattachedwithinformationonadditionalco-applicants.
1–Mr. 2–Mrs.
3–Miss 4–Ms.
5–Dr. 6–Prof.
Last name First name
Province Postal codeCity
Apt.
Date of birth (mm/dd/yyyy)
Social Insurance Number (Optional)CitizenshipCountry of Residence
Employer address
Province Postal codeCity
Apt.
Employer name
Years with employer
Detailed occupation (examples: actor, cook)
Employer telephone number
Status (examples: employed, unemployed, retired, student, never worked)
Industry/Type of Business (examples: entertainment, food service)
Detailed occupation (examples: actor, cook)
Employer telephone number
Status (examples: employed, unemployed, retired, student, never worked)
Industry/Type of Business (examples: entertainment, food service)
Date of birth (mm/dd/yyyy)
Social Insurance Number (Optional)CitizenshipCountry of Residence
Full residential address (not a P.O. box): Same as Applicant, or
Full residential address (not a P.O. box):
Same as Co-Applicant, or
*If status is either "Retired or Unemployed" please provide your previous Industry/Type of Business and Detailed occupation.
*If status is either "Retired or Unemployed" please provide your previous Industry/Type of Business and Detailed occupation.
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225-07-504E (10/31/2019)
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Are you: (i) an ofcer or director of a reporting issuer or any other issuer whose securities are publicly traded (e.g. an
entity whose securities are traded on a stock exchange or an over-the-counter market) (an “Issuer”); or
(ii) an ofcer or director of a company which is itself an insider or a subsidiary of such Issuer? YES NO
If yes, please list the Issuer(s): __________________________________________________________________
Are you designated as a Pro (licensed to sell securities)? YES NO
Do you: (i) benecially own; or
(ii) have control or direction over; or
(iii) have a combination of benecial ownership of, and control or direction over, directly or indirectly, securities of an
Issuer carrying more than 10% of the voting rights attached to all of the Issuer’s outstanding voting securities? YES NO
If yes, please list the Issuer(s): __________________________________________________________________
Do you or as part of a group, hold or control an Issuer? YES NO
If yes, please list the Issuer(s): __________________________________________________________________
9. InTrustForInformation(namesbelowwillbeincludedinoneaccount)
Last name
Attach a separate sheet for additional ITF individuals and/or with addresses of ITF individuals (ie. beneciaries) if different from the Applicant’s address.
First name Date of birth (mm/dd/yyyy)
Last name First name Date of birth (mm/dd/yyyy)
5 of 11
8. Applicant'sSpousalInformation(continued)
10.AnnualAccountFees
A Mychequingaccount - Void cheque required. This bank account will be used each year, on or about June 1, for withdrawal of annual account fees,
which will vary based on the applicable fee schedule provided. Unpaid fees will be collected from your B2BBFSI account(s). Please see the attached
Pre-Authorized Debit (PAD) Terms and Conditions for more information on the CPA Rule H1 Requirements that apply to this fee payment option.
B Myindividual(notjointorITF) B2BBFSIinvestmentaccount. If an individual investment account does not exist, option C will apply.*
C MyB2BBFSIregisteredaccount(s), uptothefeeapplicableperaccount,thenfrommyB2BBFSIinvestmentaccount(s),ifany.*
D InvoicetheEmployer/PlanSponsor(Available for Group accounts only.)
Unpaid fees will be collected from your B2BBFSI account(s).
* If I have selected to collect fees from my account or if I have not selected a method of payment, the fees will be collected based on the investments in my account.
B2BBFSI has established a hierarchy of investments for collecting fees. For more information on the hierarchy, please see attached Account Agreement.
I request that my annual account fees, until I direct otherwise in writing, be collected from (select one):
The method chosen below (excluding Invoice the Employer/Plan Sponsor) will apply to all of your annual fee accounts with B2B Bank Financial Services Inc.
(“B2BBFSI”) and replaces any previously chosen method.
11.ShareholderCommunicationInformation
I have read and understand the terms under the section “National Instrument 54-101 Explanation To Clients” disclosed on the reverse of this application.
I agree that the choices indicated by me apply to all of the securities held in the account.
Part1-ReceivingSecurityholderMaterials
Please mark the corresponding box to show what materials you want to receive. Securityholder materials sent to benecial owners of securities consist of the
following materials: (a) proxy-related materials for annual and special meetings; (b) annual reports and nancial statements that are not part of -proxy-related
materials; and (c) materials sent to securityholders that are not required by corporate or securities law to be sent.
IWANT to receive ALL securityholder materials sent to beneficial owners of securities.
IDECLINE to receive ALL securityholder materials sent to benecial owners of securities. (Even if I decline to receive these types of materials, I
understand that reporting issuer or other person or company is entitled to send these materials to me at its expense).
IWANT to receive ONLY proxy-related materials that are sent in connection with a special meeting.
(
Importantnote:These instructions do not apply to any specic request you give or may have given to a reporting issuer concerning the sending of interim
nancial statements of the reporting issuer. In addition, in some circumstances, the instructions you give in this client response form will not apply to annual
reports or nancial statements of an investment fund that are not part of proxy-related materials. An investment fund is also entitled to obtain specic
instructions from you on whether you wish to receive its annual report or nancial statements, and where you provide specic instructions, the instructions in
this form with respect to nancial statements will not apply.)
Part2-DisclosureofBenecialOwnershipInformation
Please mark the corresponding box to show whether you DO NOT OBJECT or OBJECT to us disclosing your name, address, securities holdings and
preferred language of communication (English or French) to issuers of securities you hold with us and to other persons or companies in accordance with
securities law.
IDONOTOBJECT to you disclosing the information described above.
IOBJECT to you disclosing the information described above.
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225-07-504E (10/31/2019)
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13.BankingInformation(Requirediftheannualaccountfeesarepaidfromachequingaccount)
6 of 11
12.AccountInformation
a) Is this Account to be used by or on behalf of a third party(ies)? This includes a person who has a nancial interest in
the Account or who exerts control over the assets in the Account. YES NO
If yes, please complete and attach the supplemental form - Third Party Determination Statement
b) Does anyone other than you, the Applicant(s), have any nancial interest in this account? YES NO
If yes, name the party ____________________________________________________________________________
c) Do you, the Applicant(s), wish to appoint another person(s) to have full power and authority over your account? YES NO
If yes, attach a completed Power of Attorney, which must include the signature of and banking information - as in Section
13 - on the authorized individual
d) Do you have any accounts with other brokerage rms? YES NO
Account type(s): ____________________________________________________
e) Do you, the Applicant(s), control the trading in any other B2BBFSI accounts? YES NO
If yes, indicate account numbers: ________________ ________________
Account # Account #
Name of Financial Institution
Account numberBank number Transit number
0
Address
Province Postal codeCity
Name of bank account holder(s)
1. Name (full name as it appears on the identication document)
Issuing Jurisdiction/Entity/Authority
ID number
Type of ID
ID code
ID verication date (mm/dd/yyyy)
Issuing country
ID place of issue
Date of issue (mm/dd/yyyy)
Identity verication is required for each Applicant
2. Name (full name as it appears on the identication document)
Issuing Jurisdiction/Entity/Authority
ID expiry date (mm/dd/yyyy)
ID number
Type of ID
ID code
ID verication date (mm/dd/yyyy)
Issuing country
ID place of issue
Date of issue (mm/dd/yyyy)
Select ID Code = 1 = Driver’s License, 2 = Passport, 3 = Provincial Identity Card, 4 = Citizenship Card (Issued prior to 2012)
5 = Other
*Note: 1. To comply with applicable law, information must be obtained from all individuals authorized to give instructions on the account and certain benecial
owners of the client and their identities must be veried. Please attach the applicable additional forms.
2. Please complete the identity verication for each person with authority over or any nancial interest in the account.
3. For additional account holders, attach a separate sheet to record the above banking information and the identity verication information for such
persons.
Credit File
Dual Process
Agent, Mandatory or Entity
Identication veried through an alternative method
:
ID expiry date (mm/dd/yyyy)
14.IdentityVerication*
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15.AccountAgreement-pleaseensureallapplicantssignthissection.
PleasereadtheAccountAgreementandtheDepositTermsandConditionsattachedtothisApplicationforimportantTermsandConditionsthatapplytoyourAccountandDeposit.
I/We hereby certify that the information in this application is complete and accurate.
I/We acknowledge that I/we have read and agree to be bound by the Account Agreement terms and conditions attached to this application. I/We undertake to
advise my/our Dealer in writing of any change to the information in this application. I/We acknowledge that I/we have read and agree to be bound by the attached
Pre-Authorized Debit (PAD) Terms and Conditions.
PrivacyProtection
- By signing this application form below, I/we acknowledge reading the Privacy Protection Notice attached to this application and I/we
consent to my/our personal information being collected, held, used and disclosed (i) by each company with whom I/we have an account in the ways and for
the purposes identied in the Privacy Protection Notice and (ii) by the Introducer Dealer as necessary for the purpose of carrying out the functions described
in clause (b) of the Account Agreement attached to this application. If I/we have provided information concerning any other person, I/we conrm that I/we am/
are authorized to provide such information.
To:B2BBankFinancialServicesInc.(“B2BBFSI”)andB2BBank
: If I/we make a Deposit with B2B Bank, or any of its afliates (including their successors and
assigns), I/we acknowledge I/we have read and agree to the attached Deposit Terms and Conditions (capitalized terms are as dened in the attached Deposit
Terms and Conditions). I/We acknowledge that B2B Bank, or any of its afliates (including their successors and assigns), may pay my/our Dealer an upfront
commission for Term Deposits and a trailing commission for Term Deposits, and a trailing commission for Non-Term Deposit as described in the attached Deposit
Terms and Conditions. For a Cash Deposit held in a tax-deferred account (either registered or non-registered), B2B Bank, or any of its afliates (including their
successors and assigns), may pay B2BBFSI a fee no greater than the amount which is the difference in the interest rate between the prime rate of interest
(which is variable, subject to uctuation, and posted on b2bbank.com), and the effective rate of interest (if any) applicable to my/our Cash Deposit, calculated
on the balance of my/our Cash Deposit on a daily basis. The maximum commissions and fees referenced herein and the Deposit Terms and Conditions may
change from time to time with Notice to me/us.
X
Date (mm/dd/yyyy)
Date (mm/dd/yyyy)
Signature of Applicant
Signature of Co-Applicant
X
X
Date (mm/dd/yyyy)
Date (mm/dd/yyyy)
Signature of Co-Applicant
Signature of Co-Applicant
X
Date (mm/dd/yyyy)
Signature of Advisor
X
Date (mm/dd/yyyy)
Date (mm/dd/yyyy)
Branch Manager’s Approval
Partner’s or Director’s Acceptance
X
X
Initialorder:
Buy or Sell
Amount $
Solicited or Unsolicited
Description
a) Do you have a direct or indirect interest in the Account other than an interest in commissions charged? YES NO
If yes, give details in Advisor’s Comments
Advisor’s Comments: ____________________________________________________________________________________________________
_____________________________________________________________________________________________________________________________
b) Are you registered in the province in which the Applicant(s) resides? YES NO
c) Have you personally met the Applicant(s)? YES NO
If yes, when?
d) How long have you known the Applicant(s)
e) How did you come to know the Applicant(s)? Advertising Lead Phone-In Personal Contact Walk In Referral
Referral by:
f) Has a credit check been done? YES NO _________________________ Date (mm/dd/yyyy)
If yes, what was the result (check one) Acceptable Not Acceptable
16.Dealer/AdvisorInformation
/
/
/
/
/
/
/
/
/
/
/
/
/
/
/
/
225-07-504E (10/31/2019)
Page
8 of 11
Throughout this Account Agreement, the terms “I”, “me”, “my”, “we”, “us”, and “our” mean the B2B Bank Financial
Services Inc. Investment Account holder(s). In consideration of B2B Bank Financial Services Inc. (“B2BBFSI”)
accepting this account, I acknowledge and agree that:
a) I have engaged my Dealer/advisor as my agent. B2BBFSI is entitled to accept and act on any notice,
authorization or other communication including by electronic transmission and telephone that it believes
in good faith to be given by me or on my behalf by an individual or entity acting (or representing that it
acts) in connection with this account as my Dealer or my advisor or on behalf of my Dealer or my advisor.
B2BBFSI is under no obligation to verify that my Dealer or my advisor or any individual or entity acting (or
representing that it acts) is properly authorized to act as my agent or is otherwise authorized to act on my
behalf.
b) My Dealer and B2BBFSI have different roles and responsibilities. I have read and I understand and accept
the roles and responsibilities outlined below:
RoleofMyAdvisor
My advisor is responsible for working with me to understand and help me achieve my investment objectives
by providing me with investment advice.
RoleofMyDealer
Canadian securities regulations require that my advisor work under the authority of a dealer. My Dealer
(the Introducing Dealer) and B2BBFSI have entered into an Introducing/Carrying Dealer Arrangement.
My
Dealerisresponsibleforthe opening and approval ofnewaccountsandforsupervisingmyadvisor
includingensuringthatinvestmentsandtradingactivityinmyaccountaresuitableforme.
Role of B2BBFSI
B2BBFSI, as the Carrying Dealer on this account, is responsible for trade execution and for settling trades
(both of which my Dealer may do in certain circumstances) and custody of my cash and my securities.
B2BBFSI is also responsible for issuing account statements and trade conrmations and for most tax
reporting. Nevertheless, for mutual fund transactions, B2BBFSI relies on the manager of the mutual fund
to issue trade conrmations as permitted by MFDA Rules.
B2BBFSIdoesnotgiveinvestmentadvice,doesnotdeterminethesuitabilityofmyinvestmentsandisnot
responsibleforanddoesnotsuperviseanyinvestmentadvicegiventomebymyadvisorormyDealer.
Also,B2BBFSIisundernodutytoevaluatetheappropriateness,accuracyorqualityofanyinstructions
receivedfromme,myadvisor,myDealerormyemployerforgroupaccounts.
B2BBFSI may pay a portion of its fees to my Dealer and my Dealer may pay a portion of its fees to B2BBFSI.
Fees for carrying dealer services are paid by me in accordance with the B2BBFSI Fee Schedule and/or are
paid by my Dealer.
B2BBFSI is responsible for and maintains in its name trust accounts established for the purpose of holding
cash received from me and all cheques received from me shall be made payable to B2BBFSI except in
circumstances where my Dealer is permitted by securities regulations to operate a trust account.
c) B2BBFSI has the right to reject any of my instructions, or to sell any securities in this account, for legal,
regulatory or eligibility reasons.
d) I am responsible for all commissions payable in respect of all trades in this account.
e) My xed income trades are valid until the end of the day, unless otherwise specied. I acknowledge that I
am responsible for all trades, placed by me or my Dealer or my advisor and I must pay for the trade at the
time the trade is placed.
f) B2BBFSI will provide me with the applicable Account Fee Schedule upon their opening of this account. I
will have up to 30 days from the date of account opening by B2BBFSI to close this account without being
charged the applicable fees as outlined in the Account Fee Schedule. For its annual fee, B2BBFSI provides
various account administration services, including custody of securities, maintenance of accounting records,
collecting and remitting income and issuing statements.
g) I will pay B2BBFSI any amounts owing to B2BBFSI and any fees as outlined in the Account Fee Schedule.
In addition, B2BBFSI can sell securities in this account or otherwise deduct from this account any amounts
owing to B2BBFSI in respect of this account or any other of my accounts at B2BBFSI. B2BBFSI, as agent
for B2B Trustco, may collect fees payable to B2B Trustco for Individual Pension Plans.
h) B2BBFSI may collect the annual and/or negotiated fee from the investments in my account. The fees will be
collected based on the investments held in my account. B2BBFSI has established a hierarchy of investments
for collecting fees. The hierarchy is as follows where the fee will be collected from the named investment
in ascending order:
(i) Cash
(ii) Money Maximizer
(iii) B2B Bank High Interest Investment Account
(iv) Front-end money market funds/t-bill funds
(v) Other front-end mutual funds
(vi) Deferred sales charge money market funds/t-bill funds
(vii) Other deferred sales charge mutual funds
(viii) Front-end money market funds/t-bill funds (non-electronic)
(ix) Other front-end mutual funds (non-electronic)
(x) Deferred sales charge money market funds/t-bill funds (non-electronic)
(xi) Other deferred sales charge mutual funds (non-electronic)
(xii) Front-end asset allocation mutual funds/dollar cost averaging mutual funds
(xiii) Front-end capped funds
(xiv) Deferred sales charge asset allocation funds/dollar cost averaging mutual funds
(xv) Deferred sales charge capped funds
(xvi) Hedge funds, limited partnerships and note structured mutual funds/other mutual funds not easily
redeemable
(xvii) Labour-sponsored mutual funds
(xviii) Other mutual fund investments including exchange-traded funds
(xix) Other investments
i) I will deliver any securities that I sell to B2BBFSI promptly if not held by B2BBFSI. If I do not, B2BBFSI may
purchase the security at my expense.
j) B2BBFSI will pay interest to this account on credit balances, or charge interest to this account on debit
balances, at the applicable rate as posted from time to time.
k) I will notify B2BBFSI in writing about any errors or omissions within the time limits specied on conrmations,
statements or other notices.
l) For all accounts, including corporate, unincorporated organization, formal trust and estate accounts, I will
provide any additional documentation as reasonably requested by B2BBFSI.
m) Each of B2BBFSI and my Dealer have the right and I hereby authorize each of them to conduct a credit check
or obtain a credit report or credit le with respect to me and my business, if applicable, for the purposes of
providing services to me and to verify my identity. Each of B2BBFSI and my Dealer also have the right to
use banking information, including without limitation information with respect to any deposit account I may
have, in connection with the provision of services to me.
Account Agreement
n) I will advise B2BBFSI of any changes to this account in writing.
o) I acknowledge that any update to my personal information will apply to all accounts in my client record.
If my investment account is associated with B2B Bank Investment Loan, I authorize B2BBFSI to share
my personal information with B2B Bank and authorize B2B Bank to update my B2B Bank accounts with
my updated personal information including my personal address (residential and mailing), phone and cell
number(s), and email address.
p) I acknowledge that B2B Bank, or any of its afliates, successors or assigns (the “lender”) may have a
security interest in this account, and in any securities or property held in it, in relation to a loan. B2BBFSI
is authorized to accept instructions from the lender in connection with the operation of this account and the
realization of any security interest.
q) B2BBFSI may, from time to time, amend the terms of this Account Agreement, including introducing a new
fee or amending the fees outlined in the Account Fee Schedule, after giving me no less than 60 days notice
of the new or amended fees.
r) All transactions in this account are subject to the rules and regulations of the securities industry, as applicable,
and the laws of the Province of Ontario. If I am a resident of the Province of Quebec, B2BBFSI agrees to
submit to the laws applicable in Quebec and to Quebec courts in the event of litigation between me and
B2BBFSI.
s) B2BBFSI will act as principal in xed income transactions. For trades in xed income securities, for example,
Canadian issued bonds, the purchase price includes a mark-up and the sale price includes a mark-down.
For purchases, this mark-up will reduce the yield that I receive. For sells, this mark-down will reduce the
sale proceeds that I receive.
This mark-up or mark-down represents compensation to B2BBFSI and/or my Dealer for providing me with
access to Canadian xed income markets. The mark-up or mark-down may be negotiable with my Dealer.
B2BBFSI has established maximum mark-ups and mark-downs. The maximum is calculated as a percentage
of the par value and will vary depending on the term to maturity and the issuer of the debt security.
t) B2BBFSI will act as principal in currency conversions. The currency of the account(s) shall be as selected
by me on the application for this account provided if I fail to make a selection or no selection option is
available on the application, the currency of this account shall be Canadian dollars. Currency conversions
will occur on trade date for any security that is denominated in a currency other than the currency of this
account. Currency conversions will also occur on deposits to this account and will include any conversions
required as a result of income or interest derived from securities denominated in a currency other than the
currency of this account. Currency conversions will take place at rates determined by B2BBFSI, or others
engaged by B2BBFSI, and each may earn revenue, in addition to applicable commissions, based on the
difference between the bid/ask rates for the currency and B2BBFSI, or others engaged by B2BBFSI, cost
of the currency. Where a transaction with a mutual fund involves a currency conversion, the mutual fund
company may charge me for the conversion.
u) The parties hereby acknowledge that they have expressly required this Account Agreement and all notices,
statements of account and other documents required or permitted to be given or entered into pursuant hereto
to be drawn up in the English language only. Les parties reconnaissent avoir expressément demandé que
la présente convention de compte ainsi que tout avis, tout état de compte et tout autre document à être ou
pouvant être donné ou conclu en vertu des dispositions des présentes, soient rédigés en langue anglaise
seulement.
v) In the B2BBFSI Investment Account Application and Account Agreement all singular references are deemed
to be in the plural, as applicable.
w) I acknowledge and agree that no transactions, other than the initial deposit, may be carried out in this
account until the identication of the persons authorized to give instructions in respect of this account has
been completed by my Dealer.
Thefollowingadditionaltermsapplyonlytoaccountsheldjointlyorastenantsincommon:
x) The account is owned jointly by those persons signing the B2BBFSI Investment Account Application and
that ownership is in equal portions, unless otherwise specied if held as tenants in common.
y) All of us are jointly and severally liable to B2BBFSI for any debts, liabilities and obligations arising in
connection with the account.
z) B2BBFSI may, without consulting any of the other account holder(s), act on orders for the account submitted
by any one of us, including authorization to receive conrmations, statements or other information and to
buy, sell, deposit, withdraw, transfer, deliver and/or receive any and all account eligible securities and/or
funds.
aa) The transfer, delivery or payment of securities and/or funds may be made to any one of us or an account
for any one of us, without any liability to B2BBFSI.
bb) All conrmations, statements, or other notices from B2BBFSI will be mailed to the Applicant’s address or
to the mailing address if one is provided. All such correspondence will then be considered to have been
mailed to all of the account holders. Co-applicants may receive copies of statements upon request.
cc) On the death of any one of us, the deceased’s portion of the account proceeds will be disposed of to the
remaining account holder(s) if the account is held with rights of survivorship, or to the executor or administrator
of the deceased’s estate if it is held as tenants in common.
dd) On the death of any one of us, the remaining account holder(s) agrees to immediately advise B2BBFSI,
and to provide such documentation as may reasonably be requested. B2BBFSI reserves the right to
restrict the account, as deemed necessary for tax, liability, or legal reasons, under any present or future
law.
ee) The deceased’s estate and the surviving account holder(s) continue to be jointly and severally liable for
debts, liabilities and obligations resulting from transactions initiated prior to B2BBFSI receiving written notice
of death, or incurred in liquidating the account or adjusting the interests of the surviving account holder(s).
ThefollowingadditionaltermsapplyonlytoinformalInTrustForaccounts:
ff) If this account is held In Trust For more than one individual (ie., beneciary), each beneciary’s interest in
the account is deemed to be in equal portions.
gg) B2BBFSI has no obligation to observe the terms of any trust and I am solely responsible for ensuring
compliance with the terms of any applicable trust agreement, or applicable law.
hh) For accounts with co-applicants, all conrmations, statements, or other notices from B2BBFSI will be mailed
to the Applicant’s address or to the mailing address if one is provided. All such correspondence will then be
considered to have been mailed to all of the account holders.
ii) For accounts with co-applicants, on the death of any one of us, the remaining account holder(s) agrees
to immediately advise B2BBFSI, and to provide such documentation as may reasonably be requested.
B2BBFSI reserves the right to restrict the account, as deemed necessary for tax, liability, or legal reasons,
under any present or future law.
Oct 31, 2019
225-07-504E (10/31/2019)
Page
9 of 11
B2B Bank Securities Services Inc. (“B2BBSSI”), B2B Bank Financial Services Inc. (“B2BBFSI”) and B2B Bank
Intermediary Services Inc. (“B2BBISI”) have always been committed to protecting the privacy of all client
personal information that we collect and maintain in the course of carrying on our business. We are pleased to
provide you with our Privacy Protection Notice which describes how we collect, hold, use and, when needed,
disclose your personal information when we do business with you and your Dealer. This notice adheres to
the Personal Information Protection and Electronic Documents Act (Canada) and similar provincial privacy
legislation. Please read this notice and contact us through one of the means listed at the end of the document
if you have any questions.
Throughout this Privacy Protection Notice, “Company” refers to any of B2B Bank Securities Services Inc.
(Member - Canadian Investor Protection Fund), B2B Bank Financial Services Inc. and B2B Bank Intermediary
Services Inc., and any afliate or successor company of each of them whose business relates to a purpose
identied in this Privacy Protection Notice (collectively, “Companies”).
1. ClientRecordandPersonalInformation:
The personal information collected about you or your spouse, if
you are authorized to provide such information, for the purposes identied in this Privacy Protection Notice
is held in a record called the “client record”. The personal information in your client record may include your
name, address and telephone number, social insurance number, birth date, account holdings, personal loan
balances, and the name, address and social insurance number of your spouse, beneciary, and co-borrower.
Depending on the investment or service you request, additional personal information may be held in your
client record.
2. ProvidingYourInformationtotheCompanies:
When you complete an application form or otherwise open
an account with the Companies, you are providing personal information to that Company including, where
applicable, personal information concerning your spouse, beneciary, and co-borrower, in order to:
A. make an investment;
B. provide instructions to a Company about an investment you have already made; or
C. receive information related to an investment you have made.
Each Company with whom you have an account collects this personal information, holds it in your client record,
uses it, and, when needed, discloses it for the purposes identied in this Privacy Protection Notice.
3. Collecting,Holding,Using,andDisclosingPersonalInformationinYourClientRecord:
Each Company
with whom you have an account may collect, hold, and use the personal information in your client record
as well as collect personal information from and disclose personal information to the third parties identied
below for the following purposes:
A. identifying you and ensuring the accuracy of information contained in your client record;
B. establishing and administering your account, determining, maintaining, recording, and storing account
holdings, loan balances, and transaction information in your client record;
C. executing transactions with or through a Company including transferring funds by electronic or other
means;
D. providing you and your Dealer with account statements, transaction conrmations, tax receipts,
nancial statements for the investments that you have made, proxy mailings, registered plan notices,
and other information which you or your Dealer may request as needed to service your account;
E. assisting your Dealer in determining the suitability of your investments;
F. informing you of products and services offered by a Company, its afliates, or any enterprise that has
been duly designated by a Company;
G. furthering our own business interests including collecting a debt owed to a Company or to any of its
afliates, executing transactions related to the securitization of your debt, which a Company or any
of its afliates considers to be in our own business interests, and engaging in the nancing or sale of
all or part of our businesses;
H. meeting legal and regulatory requirements;
I. verifying information previously given by you with any other organization when necessary for the
purposes provided in this Privacy Protection Notice; and
J. processing pre-authorized debit transactions.
In this notice, your “Dealer” refers to an individual or entity acting or representing that it acts in connection with
your investments or personal loan products as your investment advisor, broker, or dealer, or on behalf of your
investment advisor, broker, or dealer. You acknowledge that your Dealer is your agent and not our agent. We
are entitled to accept and act on any notice, authorization, or other communication that we believe in good faith
to be given by you or your Dealer on your behalf. We are under no obligation to verify that your Dealer is properly
authorized to act as your agent or is otherwise authorized to act on your behalf.
4. ThirdParties:
A. Each Company with whom you have an account may collect your personal information for the purposes
identied in this Privacy Protection Notice from third parties such as your Dealer, credit bureau, your
employer or others providing a personal reference, other Companies and their afliates, other nancial
institutions and mutual fund companies, and from third parties who represent that they have the right
to disclose the information.
B. Each Company with whom you have an account may transfer your personal information for the
purposes identied in this Privacy Protection Notice to our service providers, such as account
statement preparation and mailing companies, courier companies, imaging companies, document
storage companies, and personal loan and deposit product record-keeping companies. When a
Company transfers personal information to our service providers, we ensure by contractual means
that the transferred personal information is used only for the purposes for which the service provider
is retained. In the event our service provider is located outside of Canada, the service provider is
bound by, and personal information may be disclosed in accordance with, the laws of the jurisdiction
in which the service provider is located.
C. Each Company with whom you have an account may disclose your personal information to third parties
where permitted or required by law, such as disclosure for tax purposes to the Canada Revenue
Agency, and to self-regulatory organizations including the Investment Industry Regulatory Organization
of Canada, the Mutual Fund Dealers Association of Canada (MFDA), Bourse de Montreal Inc., the
Canadian Investor Protection Fund, and the MFDA Investor Protection Corporation.
D. Each Company with whom you have an account may disclose your personal information for the
purposes identied in this Privacy Protection Notice to third parties such as a Dealer, third party service
providers and data processing rms, credit bureau, other Companies and their afliates, and other
nancial institutions and mutual fund companies. If you wish to withdraw consent to the continuation
of this type of information sharing or discuss the implications of such withdrawal, please contact us
through one of the means listed at the end of this notice. Your decision to withdraw consent may
prevent the Companies from providing products and services to you because the disclosure to third
parties is a necessary part of making the product or service available to you.
5. UsingYour Social Insurance Number:
Each Company with whom you have an account is required by
law to use your social insurance number when submitting tax reports to the Canada Revenue Agency and
may provide it to third parties engaged to provide income tax reports. Each Company also uses your social
insurance number as a unique identier, to avoid duplication (so that, for example, you do not receive
duplicate mailings or get charged the same fee twice) and to ensure that we are aware of all of your holdings
(for example, for purposes of determining whether your total holdings exceed a required threshold).
6. EmployeesandAgentsWhoHaveAccesstoYourClientRecord:
Employees and agents of each Company
with whom you have an account may have access to your client record provided they have a specic need
to know in connection with the purposes identied in this Privacy Protection Notice. Access is permitted
only to the extent necessary for such purposes.
7. LocationofYourClientRecord:
Your client record is kept in electronic, microlm, or paper format at our
ofces in Toronto. Paper records forming part of your client record may also be kept in offsite storage in
Toronto. Your client record may be transferred to other locations for disaster recovery purposes.
8. RighttoAccessandRectifyPersonalInformation:
Under the Personal Information Protection and Electronic
Documents Act (Canada) and similar provincial privacy legislation, you are entitled to access, through a written
request, the personal information contained in your client record, including any credit reports obtained by
a Company, subject to exceptions for certain kinds of information. You may verify this personal information
and request that any inaccurate information be corrected. Please contact us through one of the means listed
at the end of this notice. If your concerns have not been resolved to your satisfaction, you can contact the
Privacy Compliance Ofcer at 199 Bay Street, Suite 610 PO Box 35 STN Commerce Court Toronto ON
M5L 0A3.
9. ChangestoYourPersonalInformation: Please inform each Company with whom you have an
account promptly of any change in the personal information that you have provided by contacting us through
one of the means listed at the end of this notice. The Companies appreciate your business and promises
to handle your questions or input regarding personal information in a prompt and courteous manner.
ClientServices:
Telephone:
416.964.0028 or 1.800.387.2087
E-mail:
accounthelp@b2bbank.com
11/13
PrivacyProtectionNotice
NationalInstrument54-101ExplanationtoClients
As a non-registered securityholder of a corporation or other issuer, you have the same right as a registered
holder to vote at annual and special meeting of that issuer. As your securities are not registered in your name,
B2B Bank Financial Services Inc. may provide material directly to you or may, unless you object, provide the
issuer with your name, address and extent of security ownership so that the issuer can provide material directly
to you. The issuers of the securities in your account do not know the identity of the benecial owner of these
securities. We are required under securities law to obtain your instructions concerning various matters relating
to your holding of securities in your account.
ReceivingSecurityholderMaterials
You have the right to receive proxy-related materials sent to registered securityholders by reporting issuers
in connection with securityholders meetings; among other things, this permits you to receive the necessary
information to allow you to have your securities voted in accordance with your wishes at a securityholder
meeting. In addition, reporting issuers may choose to send other securityholder materials to benecial owners,
although they are not obliged to do so.
Securities law permits you to decline to receive securityholder materials. The three types of materials that you
may decline to receive are:
(a) proxy-related materials, including annual reports and nancial statements, that are sent in connection
with a securityholder meeting;
(b) annual reports and nancial statements that are not part of proxy-related materials; and
(c) materials that a reporting issuer or other person or company sends to securityholders that are not
required by corporate or securities law to be sent to registered securityholders.
DisclosureofBenecialOwnershipInformation
Securities law permits reporting issuers and other persons and companies to send materials related to the
affairs of the reporting issuer directly to benecial owners of the issuer’s securities if the benecial owners do
not object to having information about them disclosed to the reporting issuer or other persons and companies.
Part 2 allows you to tell us if you OBJECT to the disclosure by us to the reporting issuer or other persons or
companies of your name, address and securities holdings and preferred language.
If you DO NOT OBJECT to the disclosure of your benecial ownership information, please mark the rst box
in Part 2 of the form. In those circumstances, you will not be charged with any costs associated with sending
securityholder materials to you.
If you OBJECT to the disclosure of your benecial ownership information by us, please mark the second box
in Part 2 of the form. If you do this, all materials to be delivered to you as a benecial owner of securities will
be delivered by us.
Contact
If you have any questions or want to change your instructions in the future, please contact your Advisor. If you
wish to change your instructions, you must do so in writing.
PreferredLanguageofCommunication
Top right hand corner on page 1 of this account application allows you to tell us your preferred language of
communication.
10/17
225-07-504E (10/31/2019)
Page
10 of 11
a)
Bysigningthisapplication,youherebywaiveanypre-noticationrequirementsasspeciedbysections
15(a)and(b)oftheCanadianPaymentsAssociationRuleH1withrespecttopre-authorizeddebits.
b) You authorize B2B Bank Financial Services Inc. (“B2BBFSI”) to debit the bank account provided for the
amount(s) and in the frequencies instructed.
c) If this is for your own personal investment, your debit will be considered a Personal Pre-authorized Debit
(PAD) by Canadian Payments Association denition. If this is for business purposes, it will be considered a
Business PAD.
d) You have certain recourse rights if a debit does not comply with this agreement. For example, you have the
right to receive reimbursement for any debit that is not authorized or is not consistent with this pre-authorized
debit agreement. To obtain more information on your recourse rights, you may contact your nancial institution
or visit www.cdnpay.ca.
e) You conrm that all persons whose signatures are required to authorize transactions in the bank account
provided have signed this agreement.
f) You may change these instructions or cancel this plan at any time, provided that B2BBFSI receives at least
10 business days notice by phone or by mail. To obtain a copy of a cancellation form or for more information
regarding your right to cancel a pre-authorized debit agreement, please consult with your nancial institution
or visit the Canadian Payments Association website at www.cdnpay.ca.
Pre-authorizeddebit(PAD)TermsandConditions
g) You authorize B2BBFSI to accept changes to this agreement from your registered dealer or your advisor in
accordance with the policies of B2BBFSI, in accordance with the disclosure and authorization requirements
of the CPA.
h) You agree that the information in this application will be shared with the nancial institution, insofar as the
disclosure of this information is directly related to and necessary for the proper application of the rules
applicable for pre-authorized debits.
i) You acknowledge and agree that you are fully liable for any charges incurred if the debits cannot be made
due to insufcient funds or any other reason for which you may be held accountable.
j) You have requested this application form and all other documents relating hereto to be in English. J’ai exigé
que ce formulaire et tous les documents y afférant soient rédigés en anglais.
2/15
DenitionofPoliticallyExposedForeignPerson
For purposes hereof “politically exposed foreign person” means a person who holds or has held one of the
following ofces or positions in or on behalf of a foreign state:
(a) head of state or head of government;
(b) member of the executive council of government or member of a legislature;
(c) deputy minister or equivalent rank;
(d) ambassador or attaché or counselor of an ambassador;
(e) military ofcer with a rank of general or above;
(f) president of a state-owned company or a state-owned bank;
(g) head of a government agency;
(h) judge of a supreme court, consitutional court or other court of last resort;
(i) leader or president of a political party represented in a legislature; or
(j) holder of any prescribed ofce or position.
DenitionofPrescribedFamilyMember
For purposes hereof “prescribed family members” of a politically exposed foreign person, politically exposed
domestic person and head of an international organization are:
(a) the person’s spouse or common-law partner;
(b) a child of the person;
(c) the person’s mother or father;
(d) the mother or father of the person’s spouse or common-law partner; and
(e) a child of the person’s mother or father.
Please note that this will include half-sisters and half-brothers.
DenitionofPoliticallyExposedDomesticPerson
For purposes hereof “politically exposed domestic person” means a person who holds or has held one of the
following ofces or positions referred to in any of items (a) to (j) in or on behalf of the federal government or
provincial government or the ofce or position referred to in item (k) in a municipal government:
(a) Governor General, lieutenant governor or head of government;
(b) member of the Senate or House of Commons or member of a legislature;
(c) deputy minister or equivalent rank;
(d) ambassador, or attaché or counsellor of an ambassador;
(e) military ofcer with a rank of general or above;
(f) president of a corporation that is wholly owned directly by Her Majesty in right of Canada or a province;
(g) head of a government agency;
(h) judge of an appellate court in a province, the Federal Court of Appeal or the Supreme Court of Canada;
(i) leader or president of a political party represented in a legislature;
(j) holder of any prescribed ofce or position; or
(k) mayor.
DenitionofHeadofanInternationalOrganization
For purposes hereof “head of an international organization” means the head of an international organization that
is established by the governments of states or the head of an institution of any such organization.
Denitions
B2B Bank and/or any of its afliates (including their respective successors and assigns), accept deposits including,
but not limited to, Guaranteed Investment Certicates (the “Term Deposit(s)”), Money Maximizer and B2B Bank
High Interest Investment Account (the “Non-Term Deposit(s)”). Term Deposit(s) and Non-Term Deposit(s) are
collectively referred to as your “Deposit” and the reference “Deposit” includes any other Deposit that may be
accepted by B2B Bank and/or any of its afliates (including their respective successors and assigns) from time
to time, such as cash balances (the “Cash Deposit(s)”) in accounts administered by B2B Bank Financial Services
Inc., B2B Bank Securities Services Inc., or B2B Bank Intermediary Services Inc. Each of B2B Bank, B2B Trustco,
and/or any of their afliates (including their respective successors and assigns) that accept Deposits is a member
institution of the Canada Deposit Insurance Corporation (“CDIC”). Go to b2bbank.com for a current list of our
Deposits, information on our complaint resolution process, our privacy protection notice, and interest rates. The
following terms and conditions (the “Terms and Conditions”) apply to all Deposits. Throughout these Terms and
Conditions, “you” and “your” means you as the depositor and/or co-depositor(s) and “we”, “us” and “our” means
B2B Bank and/or any of its afliates (including their respective successors and assigns). “Dealer” means an
individual or entity acting (or representing that it acts) in connection with your Deposit as your investment advisor,
broker or dealer, or on behalf of your investment advisor, broker or dealer. “Application” means the account
application form to which these Terms and Conditions are attached.
(a)
Deposits
The principal amount of the Deposit shall be held or invested by B2B Bank and/or any of its afliates
(including their respective successors and assigns).
(b)
InterestCalculationandPayment
(i)
CashDeposit(s)andNon-TermDeposits(s)
We agree to pay you interest monthly on the day following and for the period which has elapsed since
and including the date on which interest was last paid (in the case of a Cash Deposit(s) provided that
any interest is payable according to the deposit rates posted on our website). Interest is calculated daily
and is based upon the daily closing balance of your Cash Deposit(s) and Non-Term Deposit(s) at a rate
of interest as set by us from time to time. All interest payable shall be deposited into the same Cash
Deposit(s) and Non-Term Deposit(s) in respect of which the interest was earned and shall thereafter
be considered as principal.
(ii)
TermDeposit(s)
The interest rate of your Term Deposit(s) depends on the term and interest paying option selected
by you. The interest rate applicable to your Term Deposit(s) is the posted rate on the day we receive
your completed Application and money. Interest is calculated on the principal balance of your Term
Deposit(s) for the number of days in the term on the basis of a year of 365 days. Interest on your Term
Deposit(s) of less than two years is paid at maturity and interest on your Term Deposit(s) of two years
or more is either paid annually, semi-annually, quarterly, monthly or compounded annually and paid at
maturity, as selected by you. Interest ceases at maturity.
(c)
GuaranteedRepayment
We guarantee you the repayment of all principal sums of your Deposit, together with any interest that is
due and payable, subject to section (d). In consideration of our guarantee and by way of remuneration for
administering the Deposit, we shall be entitled to retain for our own use the interest and prots resulting
from any investment of the principal in excess of the amount of any interest payable to you.
DepositTermsandConditions
(d)
AccesstoyourDeposit
(i)
Deposits:
You may deposit to (purchase in the case of a Term Deposit) your Deposit with notice to us.
(ii)
HoldonFunds:
We reserve the right to hold moneys from any cheque or other payment instrument
including pre-authorized debits credited to your Deposit for the purpose of verifying that sufcient funds
are available to pay the item and for any other purpose permitted by law.
(iii)
Withdrawals:
You may withdraw your Deposit (except in the case of a Term Deposit) with notice to us.
For withdrawals above certain dollar thresholds determined by us from time to time, your signature on
your withdrawal request must be guaranteed by one of a bank, trust company, member of a recognized
stock exchange or any other organization satisfactory to us. Transactions including withdrawals may
be limited in dollar amounts or frequency, or otherwise as may be determined by us, and such limits
may be changed in our sole discretion without notice to you. Term Deposits may be withdrawn only at
maturity. The principal balance of your Term Deposit will be repaid at maturity and may not be withdrawn
by you prior to maturity.
(e)
CommissionandFees
WemaypayyourDealeracommissiononyourDeposit. This is a trailing commission for Non-Term
Deposit(s)basedonthedailyclosingbalanceofyourNon-TermDeposit(s),andanupfrontcommission
paidontheprincipalbalanceofaTermDepositatthetimeofpurchase.ForaCashDeposit(s),wemay
payyouraccountadministratorafeenogreaterthantheamountwhichisthedifferenceintheinterest
ratebetweenourprimerateofinterest(whichisvariable,subjecttouctuationandpostedonb2bbank.
com)andtheeffectiverateofinterest(ifany)applicabletoyourCashDeposit(s),calculatedonthebalance
ofyourCashDeposit(s)onadailybasis.Themaximumcommissionsandfeesreferencedabovemay
changefromtimetotimeonnoticetoyou.
(f)
EligiblePlansorAccounts
Your Deposit must be held within such plans or accounts that we, in our sole discretion, may permit from
time to time (“Eligible Deposits”).
(g)
JointandSeveral
All of you are jointly and severally liable to us for any debts, liabilities and obligations arising in connection
with the Deposit if held jointly or by tenants in common (if available).
(h)
Complaints
Should you have a complaint concerning your Deposit, please contact our client service department by
calling 1.800.263.8349. Further information detailing the steps for making and escalating a complaint are
set out in the B2B Bank Problem Resolution Process which is available online at b2bbank.com.
(i)
ProtectingyourPersonalInformation–forpersonalDepositsonly
By making a Deposit with us, you consent to the collection, use and disclosure of your personal and nancial
information in accordance with our Code of Condentiality as amended from time to time. The Code of
Condentiality forms part of these Terms and Conditions and your agreement to the Terms and Conditions
indicates that you agree to the terms of the Code of Condentiality. Our Code of Condentiality is available
on request and on our website at b2bbank.com.
225-07-504E (10/31/2019)
Page
11 of 11
DepositTermsandConditions(continued)
(j)
Notice
References to giving notice in these Terms and Conditions shall mean notice in the form and manner as
provided in this section (j). We may provide any notice or other communication required or permitted to
be given by post, telephone, email, fax, website posting or any other physical or electronic means, or by
means of any press release, advertisement or other media notices.
Unless specied otherwise, you or a Dealer may provide us with notice by post, fax or telephone, or through
any other physical or electronic means as stipulated by us from time to time at the following address:
B2B Bank
199 Bay Street, Suite 600
PO Box 279 STN Commerce Court
Toronto ON M5L 0A2
Toll free 1.800.263.8349
Fax: 1.866.941.7711
Any notice, request or other communication given to us will be deemed to have been given to us and
received by us at the time of actual receipt by us. Unless specied otherwise, if notice is provided by post,
you will be deemed to have received the notice on the date that is ve (5) business days following the date
on which the notice was mailed. In all other cases, you will be deemed to have received the notice on the
date the notice was sent.
(k)
ChangestoDepositorRecord
You agree to notify us promptly in writing of any changes to your mailing address or other information
regarding the Depositor record.
(l)
DepositStatementsandConrmations
You must promptly notify us of any errors, irregularities, omissions or unauthorized activity in your Deposit
as soon as you discover them. If notice is not received from you within 30 days of the date of any statement
or conrmation indicating activity or balances of your Deposit, you shall be deemed to accept the statement
as valid and correct and you release us from all claims with respect to any and every item on the statement
or conrmation and from any other claim for negligence, conversion, breach of trust, breach of duciary
duty or otherwise. We retain the right to recover from you or debit your Deposit if there is an erroneous
credit or an omission of a debit.
(m)
ReceivingStatements
If held jointly or by tenants in common (if available) or in trust, all statements or other notices from us will
be sent to you. All such notices will then be considered to have been mailed to all of you.
(n)
DocumentationRequirements
If held jointly or by tenants in common (if available), on the death of any one of you, the remaining Depositor(s)
agrees to immediately advise us and to provide such documentation as may reasonably be requested. We
reserve the right to restrict access to monies held in the Deposit, as deemed necessary in order to comply
with any present or future law.
(o)
JointandSeveralwithEstate
If held jointly or by tenants in common (if available), the deceased’s estate and the surviving Depositor(s)
continue to be jointly and severally liable for debts, liabilities and obligations resulting from transactions
initiated prior to us receiving written notice of death, or incurred in liquidating the account or adjusting the
interests of the surviving Depositor(s).
(p)
ObligationtoObserveTrustTerms
If the Deposit is held in trust, we have no obligation to observe the terms of any trust and you or all of you
are solely responsible for ensuring compliance with the terms of any applicable trust agreement or applicable
law.
(q)
DocumentationRequirementsofSurvivor
If the Deposit is held in trust, on the death of you or any one of you, the remaining Depositor(s) agrees to
immediately notify us, and to provide such documentation as may reasonably be requested. We reserve
the right to restrict access to monies held in the Deposit, as deemed necessary in order to comply with any
present or future law.
(r)
LiabilityforDamagesLimited
Without limiting any other provision of these Terms and Conditions, we will not be liable for, and you agree to
indemnify and save us harmless from, any losses, costs, fees, claims, liabilities, delays, damages, expenses
or inconvenience of any kind whatsoever, incurred by you or any third party, directly or indirectly (including
special, indirect or consequential damages) in connection with the following:
• Any failure, error, malfunction or inaccessibility of any systems or equipment, or for errors, delays or
failures in performance or non-completion of a transaction or service;
• Any damages resulting from our negligence or the negligence of our employees, agents or representatives,
even if we knew that damage was likely;
• Honouring any instructions (including an instruction to revoke a PAD agreement) from you, including any
that we receive from any person claiming to be you or to be acting on your behalf including a Dealer; or
• Exercising our discretion not to act on an incomplete, illegible or ambiguous transaction or a transaction
which we suspect is fraudulent. In the case of our gross negligence or willful misconduct, our liability will
be no greater than the lesser of the amount of the item and the direct damages you have suffered.
(s)
Dealer
You acknowledge that a Dealer is your agent and when acting (or representing that it acts) as a Dealer is
not our agent or the agent of any of B2B Bank Financial Services Inc., B2B Bank Securities Services Inc., or
B2B Bank Intermediary Services Inc. We are entitled to accept and act on any notice, authorization or other
communication that we believe in good faith to be given by you or a Dealer on your behalf. We are under
no obligation to verify that a Dealer is properly authorized to act as your agent or is otherwise authorized
to act on your behalf.
(t)
ReturningPrincipaltoYou
We reserve the right both to reject any deposit made by you and to withdraw any and all amounts from your
Deposit for the purpose of returning such amounts to you.
(u)
AssignmentsandTransfers
Deposits are not negotiable, transferable or assignable by you to any person in any respect except to us
or as we agree in writing.
(v)
ChangestothisAgreement
(i) If permitted by applicable law and subject to (ii) below, we may unilaterally change any part of the
Deposit Terms and Conditions (except for sections (a), (b) and (c) if the change pertains to a Term
Deposit), if we provide you with notice of the change at least 60 days before the effective date of the
change.
(ii) You may, within 60 days of receipt of Notice, withdraw your Deposit without any cost or penalty to you
if we unilaterally increase your obligations to us or decrease our obligations to you under these Terms
and Conditions.
(w)
ChargesforCostsandLegalFees
You agree to pay us on demand any costs to recover amounts that you owe us. These costs include legal
fees on a solicitor and client basis, as well as those reasonable counsel fees charged by our legal department.
If we incur any expenses in responding to any legal notices or seizures attaching to any moneys in your
Deposit, we may charge such expenses to your Deposit, as well as a fee for complying with the order. If
you fail to pay our costs, they may be charged against any account you have with us.
(x)
Set-off
We reserve the right to use any money at any time in your Deposit(s) to pay any debts or other obligations
(including any contingent obligations) you owe us whether in the same or other currency in relation to any
other matter between you and us and we are not required to provide notice except as required by law.
(y)
Language
The parties have expressly requested that this Agreement and all other related documents and notices be
drawn up in English only.
Les parties ont expressément exigé que ce contrat ainsi que tous les documents et avis émis en vertu des
présents ou s’y rattachant soient rédigés en anglais.
Sept. 30, 2016
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225 07 504E B2B Bank Financial Services Inc.-Investment Account Application

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Completed 21 December 2020

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