Fill - Free fillable Tax-Free Savings Account (Mackenzie Investments) PDF form

Tax-Free Savings Account

Application

FUND

NUMBER FUND NAME AMOUNT ($)

†

SCS SALES

CHARGE %

PRE-AUTHORIZED

CHEQUING PLAN ($)

SYSTEMATIC WITHDRAWAL

PLAN, RIF LIF & LRIF

(SECURITIES OR $)

*Distributions

(will be reinvested unless you

elect otherwise)

WIRE ORDER

NUMBER

cash

TOTALS $ $ $

Now complete

Section 5 & 7

Now complete

Section 6 & 7

If cash selected,

complete Section 7

Please check this box if you wish to receive conﬁrmations of systematic transactions, dividends and distributions. Systematic transactions, dividends and distributions are reported on your semi-annual statement.

TAX-FREE SAVINGS ACCOUNT APPLICATION

1. ACCOUNT INFORMATION

New Account

Existing Account

Account Number

1 = Mr.

2 = Mrs.

3 = Miss

4 = Ms.

5 = Dr.

Social Insurance Number (required)

Date of Birth (DD MMM YYYY) (required)

Last Name

Home Telephone

2. ACCOUNTHOLDER INFORMATION

Please print

Language preference: English French

Address

Postal Code

Address

E-mail Address

Apt. No.

Business TelephoneFirst Name

6. SYSTEMATIC WITHDRAWAL PLAN

TFSA Payment Instructions

For a Systematic Withdrawal on a TFSA I may instruct you in writing to: (a) change the frequency of the options permitted, (b) change the amount of payment, or (c) redeem sufﬁcient securities to provide me with additional payment

in whatever amount I may specify. I understand that regular withdrawals could eventually eliminate my entire investment if I do not make additional contributions to my account.

Monthly

Bi-Monthly Quarterly Semi-Annually

Annually. First payment to commence

(DD MMM YYYY)

Please process my TFSA systematic withdrawal amount I selected in section 4.

4. FUND SELECTION

Please complete. Please process my deposit or transfer(s) from my existing account(s) and make the investments in the funds that I have selected below.

Fund Name Account Number

Transfer(s) from existing Mackenzie account(s)

Transfer(s) from another institution

Deposit

‡

SCS – Sales charge option (Front end load)

* Distributions will be reinvested in the series on which they are paid, unless you are eligible to elect to receive distributions in cash and you make that election in this table. Please refer to the simpliﬁed prospectus for eligibility requirements. If you hold securities of

a Fixed Rate Distribution Series (as deﬁned in the simpliﬁed prospectus), and you are eligible to elect to receive distributions in cash and you have made that election in this table, you will receive the regular monthly distributions in cash, but any other distributions

paid on these securities will be reinvested in that series.

3. DEALER/AGENT INFORMATION

Dealer Authorization/Representative Signature

Dealer Account Number

Date

(DD MMM YYYY)

Dealer Number Representative Number Representative NameDealer Name

TO: ________________________________________________________________ AND TO: Mackenzie Investments (Void specimen cheque attached)

Undersigned’s Bank

I/We hereby authorize and request Mackenzie Financial Corporation to draw on my/our account at the Bank named below in Section 7, whether the account continues to be maintained at the named branch or is transferred

to another branch of the Bank. I/We acknowledge that I/We have read and agree to be bound by the Pre-Authorized Chequing (Pre-Authorized Debit) Terms and Conditions attached to this application.

5. PAC AUTHORIZATION

Please read form carefully before signing

Protect my PAC deposits against

inﬂation by an annual increment of

Once every 14 days

and end of month

Every other month

Every six months

Process my

PAC purchase:

AnnuallyMonthly QuarterlyWeekly

Bi-Weekly

Semi-Annually

Semi-Monthly

Bi-Monthly

My ﬁrst purchase

is to commence

(DD MMM YYYY)

City

Province

Bank Account Holder Name Joint Bank Account Holder Name

Bank Account Holder Signature Joint Bank Account Holder Signature

OR Please send my payments to:

Mail to me

Mail to alternate Address

7. BANKING SECTION

Please complete for Distributions, Pre-Authorized Chequing Plans and Systematic Withdrawal Plans

ATTACH PRE-PRINTED VOID CHEQUE (alternatively withdrawals may be paid via cheque).

X X

0.00

1. Name Relationship %

2. Name Relationship %

3. Name Relationship %

Accountholder Signature

Date

(DD MMM YYYY)

8. AUTOMATIC TRANSFER/EXCHANGE PROGRAM INSTRUCTIONS

Monthly

Bi-Monthly

Quarterly

Semi-Annually

Annually

Frequency:

To commence

(DD MMM YYYY)

* I understand that my dealer will be paid a higher trail commission after the transfer: generally 0.5% on ﬁxed income funds and 1% on all others. More information is contained in the funds’ simpliﬁed prospectuses.

** Not available for interest credited on a Mackenzie TFSA High Interest Cash Builder deposit.

9. SUCCESSOR HOLDER AND BENEFICIARY DESIGNATION

Spouse’s Social Insurance Number

Spouse’s Name

In the event of my death I hereby designate my spouse*, if living at my death, as the

successor holder of this Mackenzie Tax-free Savings Account to acquire all rights I

have as the holder thereof. I reserve the right to revoke this designation.

In the event that the successor holder designated by me in A predeceases me or where I have

not named a successor holder in A, I hereby designate the following person as my designated

beneﬁciary entitled to receive the proceeds of this Mackenzie Tax-free Savings Account in the

event of my death. I reserve the right to revoke this designation.

In the absence of a designated beneﬁciary or successor holder, the proceeds of this Mackenzie Tax-free Savings Account will be paid to your Estate.

Caution:

1. The validity of a designation of a beneﬁciary or successor holder is subject to the laws of the jurisdiction where you reside permitting designation made otherwise than by way of a will.

Your designation of a successor holder and/or beneﬁciary to this Mackenzie Tax-free Savings Account by means of this designation form will not be revoked or changed automatically by any

future marriage or divorce. Should you wish to change your successor holder or beneﬁciary in the event of a future marriage or divorce, you will have to do so by means of a new designation.

3. This designation of successor holder and/or beneﬁciary will apply to this Mackenzie Tax-free Savings Account only. If you have other tax-free savings accounts with B2B Trustco or

with another Mackenzie entity for which you want a successor holder or beneﬁciary to be designated, you must complete a separate designation for each of these accounts.

*Spouse refers to a person recognized as your spouse or common-law partner for the purposes of the

Income Tax Act

(Canada). The person you designate as a successor holder must be your spouse at the time of your death.

10. ACCOUNTHOLDER SIGNATURE

Please read carefully before signing

To: Mackenzie Financial Corporation

I have engaged the dealer as my agent. I understand that if I choose the sales charge purchase option (front end load), I agree to pay a commission which is deducted from my original purchase

amount. If I choose the redemption charge purchase option (back end load), I request that the sales commission described in the simpliﬁed prospectus be paid to my dealer and I agree that

I may be required to pay a redemption charge upon withdrawal, as speciﬁed. In addition, I authorize the payment of the trailing sales commissions described in the simpliﬁed prospectus be

paid to the dealer on my behalf. If Mackenzie receives payment for my investment or if I am transferring a tax-free savings account from another ﬁnancial institution to Mackenzie and my

application or transfer documentation is not complete, I authorize Mackenzie to invest my money at its option in Mackenzie Canadian Money Market Fund or in a deposit account offered

by B2B Trust so that I will earn interest until my order is complete.

I understand that as agent for the funds, Mackenzie reserves the right to accept or reject any purchase order within one day following the receipt of the order. I acknowledge receipt of the

current prospectus of the fund(s) ordered. I authorize the use of my social insurance number for tax reporting, identiﬁcation and record keeping purposes.

To: Mackenzie Financial Corporation and B2B Trust or any of its afﬁliates (including their respective successors and assigns)

If I choose to make a Mackenzie TFSA High Interest Cash Builder deposit (the “TFSA Cash Builder”) with B2B Trust or any of its afﬁliates (including their respective successors and assigns),

I acknowledge receipt of the Deposit Terms and Conditions attached to this application and have read and agreed to the Deposit Terms and Conditions. I acknowledge that B2B Trust or any

of its afﬁliates (including their respective successors) will pay my dealer a trailing sales commission at the annual rate of 0.25% based on the value of my TFSA Cash Builder. The amount paid

to my dealer and the Deposit Terms and Conditions may change from time to time on notice to me.

To: B2B Trustco (199 Bay Street, Suite 600, PO Box 279 STN Commerce Court, Toronto, Ontario M5L 0A2)

Please ﬁle an election to register my arrangement under the

Income Tax Act

(Canada) and any applicable provincial or territorial legislation as a Mackenzie tax-free savings account. I have

received, read and agree to the terms of the Mackenzie Tax-free Savings Account Declaration of Trust attached and to all amendments that I may receive to these terms in the future.

I agree to provide, on request, proof of age and such further information as may be required in connection with the registration and administration of my arrangement.

Privacy Protection

By signing this application form, I acknowledge reading the Privacy Protection Notice on the reverse side of this application form and I consent to my personal information being collected,

held, used and disclosed by Mackenzie in the ways and for the purposes identiﬁed in the Privacy Protection Notice. If I have provided information concerning my spouse and/or my beneﬁciary,

I conﬁrm that I am authorized to provide such information.

I have requested that this application form and all relating documents be in English.

J’ai demandé que ce formulaire d’adhésion ainsi que tous les documents connexes soient rédigés en anglais.

Spouse’s Date of Birth (DD MMM YYYY)

(Required for Succession) (Required for Succession)

Mackenzie Investments | 180 Queen Street West, Toronto, Ontario M5V 3K1 | Original Mackenzie Investments | Yellow Dealer | Pink Accountholder

Transfer the systematic

withdrawal amount(s)

I selected in Sections

4 & 6 to the fund(s)

speciﬁed below:

Transfer my free

annual redemption

amount to the fund(s)

speciﬁed below

Exchange my reinvested

dividends and distribu-

tions to the fund(s)

speciﬁed below

FROM

Fund Name Fund Number

Account Number

Account Number Exchange Fee

Authorized Signature of Acceptance

B2B Trustco

8. Investments: We may accept and act on any investment instructions that we believe in good faith

to be given by you or a Dealer on your behalf. The assets of your Arrangement will be invested and

reinvested from time to time according to your investment instructions or those of a Dealer in investments

permitted by the Administrator. We are not authorized to select investments for your Arrangement and

will not assess the merits of the investments selected by you or a Dealer. Subject to such investments

being permitted by the Administrator, in selecting investments for your Arrangement you will not be

limited to those investments authorized by legislation governing the investment of property held in

trust. However, you may be limited by policies and requirements imposed by us from time to time, such

as the requirement to provide documentation and the requirement to comply with those policies and

procedures currently imposed in connection with securities held in your Arrangement and the requirement

to provide information concerning whether an investment held is a non-qualiﬁed investment under the

Tax Act. Notwithstanding any other provision in this declaration, we may for any reason refuse to act on

any investment instruction and we will not be liable for any resulting loss. In the absence of satisfactory

investment instructions, cash received by us in connection with your Arrangement will be converted

into the currency denomination of your Arrangement and, at our option, invested in units of a money

market fund managed by the Administrator or a deposit account offered by us or any of our afﬁliates. If

it is necessary for cash or other assets held in your Arrangement to be converted to another currency,

we our afﬁliates, our agent or a person engaged by us may act as principal on our or its own behalf and

not on your behalf to convert the currency at the rate established by us or it for the relevant conversion

date. In addition to commissions that may be charged for this service, any revenue earned by us or other

service provider based on the difference between the applicable bid/ask rates and the cost of currency

will be for our account or the account of the other service provider.

Distributions: Following receipt of satisfactory instructions from you or a Dealer, we will pay distributions

from your Arrangement to you for any purpose. Without limiting the generality of the foregoing, following

receipt of satisfactory instructions from you or a Dealer, we will pay distributions to reduce the amount of

tax otherwise payable by the holder in respect of contributions made while a non-resident of Canada or

contributions in excess of the maximum contribution limits for TFSAs permitted by the Tax Act or under

Part XI.01 of the Tax Act. To the extent permitted under applicable laws, we hereby authorize you to

execute or initiate debit transactions against deposit accounts offered by us or any of our afﬁliates and

held in your Arrangement from time to time. You acknowledge that any such debit transaction shall be

treated as a distribution from this Arrangement to you. If the value of your Arrangement is less than $500,

we may make a distribution to you from your Arrangement equal to the value of your Arrangement. We

may transfer or realize any investment of your Arrangement selected by us for the purpose of making a

distribution to you and will not be liable for any resulting loss. Distributions will be made net of all proper

charges. If your Arrangement does not have sufﬁcient cash to pay these charges, we will be entitled to

require you to pay these charges.

10.

Transfers from your Arrangement: Following receipt of satisfactory instructions from you or a Dealer,

we will transfer all or any part of the assets held in connection with your Arrangement (less all proper

charges) to the issuer or agent of the issuer of another TFSA held by you or of a TFSA of your spouse

or former spouse where the transfer relates to a division of property arising on the breakdown of your

marriage or common-law partnership, in accordance with the Tax Act. If your Arrangement is a Group

TFSA as indicated in your Application, you hereby appoint the company named in your Application for

the purposes of Group TFSAs, as your agent for the purpose of instructing us to transfer the assets of

your Arrangement and signing documents necessary to effect the transfer. If we receive instructions to

transfer some of the assets of your Arrangement, we may request instructions to transfer all the assets

of your Arrangement and we may delay the transfer until after we receive the requested instructions.

If we have not received the requested instructions within 30 days of our request or if the issuer of the

recipient TFSA refuses to accept the transfer of any assets of your Arrangement, the assets that have

not been transferred may, at our option, be transferred or paid to you (less any proper charges). In the

absence of satisfactory instructions, we may sell or transfer any assets of your Arrangement selected

by us to effect the transfer and will not be liable for any resulting loss or foregone gains. The transfer

of assets will be made subject to any restrictions under the Tax Act or the terms and conditions of the

investments of your Arrangement.

11.

Successor Holder and Beneficiary Designation: If you are domiciled in a jurisdiction which by law

permits you to validly designate a successor holder or a beneﬁciary for your Arrangement other than by

Will, you may designate: (a) your spouse as successor holder of your Arrangement; or (b) a beneﬁciary to

receive the proceeds of your Arrangement in the event of your death. You may make, change or revoke

your designation by written notice to us signed by you in a form acceptable to us or by validly executed

Will. Any designation, amended designation or revoked designation will be valid on the day following

its receipt by us or, in the case of a validly executed Will, as of the day of execution of the Will. We will

not accept beneﬁciary designations that are irrevocable.

12.

Death: Upon receipt of satisfactory evidence of your death, we will continue to hold the assets of your

Arrangement for your surviving spouse, provided he or she is the successor holder of your Arrangement.

If your spouse becomes the successor holder of your Arrangement, he or she will acquire all of your

obligations and rights as holder of the Arrangement (including the unconditional right to revoke any

beneﬁciary designation or similar direction made or imposed by you under the Arrangement or relating

to property held in connection with the Arrangement), and references herein to “you” will be deemed to

refer to him or her. Notwithstanding the foregoing, a successor holder may not designate a subsequent

spouse to hold the Arrangement after his or her death pursuant to paragraph (a) of Section 11 hereof.

If your spouse is not the successor holder, we will hold the assets of your Arrangement for payment in

a lump sum to your designated beneﬁciary if that person was living on the date of your death. If you

have not designated a beneﬁciary or if your designated beneﬁciary predeceases you, the assets of your

Arrangement will be paid to your legal representatives. The lump sum payment will be paid subject to

the deduction of all proper charges after we receive all releases and other documents that we request.

13.

Use as Security for a Loan: You may not use your interest or, for civil law, right in the Arrangement as

security for a loan or other indebtedness unless agreed by us in writing. If agreed to, then

(a)

the terms and conditions of the indebtedness must be those which persons dealing at arm’s

length with each other would have entered into;

(b)

it must be reasonable to conclude that none of the main purposes for such use is to enable a

person (other than the holder) or a partnership to beneﬁt from the exemption from tax provided

by the Arrangement; and

(c)

to the extent that the provisions of the ﬁrst and third sentences of Section 2 hereof or the

provisions of Section 10 hereof regarding a transfer to another TFSA held by you are inconsistent

Mackenzie Tax-free Savings Account

Declaration of Trust

We, B2B Trustco, are a trust company continued under the laws of Canada with our head ofﬁce located

199 Bay Street, Suite 600, PO Box 279 STN Commerce Court, Toronto, Ontario M5L 0A2. You are the

accountholder named in the Tax-free Savings Account Application (“Application”). We will act as the trustee

of a Mackenzie Tax-free Savings Account (“Arrangement”) for you on the following terms and conditions.

You acknowledge that we have retained Mackenzie Financial Corporation (“Administrator”) as our agent to

perform on our behalf certain of our duties and responsibilities under this declaration.

Acceptance and Registration: If we agree to act as trustee of your Arrangement, we will ﬁle with the

Minister of National Revenue, in the form and manner and within the time prescribed, an election to

Act and the Regulations thereto, as amended from time to time, being hereinafter referred to as the “Tax

Act”). We will also apply to register the Arrangement under any applicable income tax legislation in the

province or territory of residence indicated by you in the Application. The Arrangement will comply with,

and you will be bound by, the terms and conditions from time to time imposed on your Arrangement

by the Tax Act and any other applicable legislation. If we decline to act as trustee, you or a Dealer (as

deﬁned below) will be notiﬁed and any amounts received by us as contributions will be returned.

Purpose and Use: The Arrangement will be maintained for the exclusive beneﬁt of the holder (as deﬁned

below), disregarding any right of a person to receive a payment out of or under the Arrangement only

on or after the death of the holder. Contributions accepted by us for your Arrangement will be used,

invested and applied for the purpose of the making by us of distributions (as deﬁned below) under the

Arrangement to the holder in accordance with the Tax Act. While there is a holder of the Arrangement,

no person other than us and the holder shall have any rights under the Arrangement relating to the

amount and timing of distributions and the investing of monies. In this declaration: “holder” means, until

your death, you, and at and after your death, your validly designated successor holder (as described in

Section 12 hereof), if any; and “distribution” means any payment made under the Arrangement in full

or partial satisfaction of the holder’s interest in the Arrangement that is considered a distribution from

a TFSA for purposes of the Tax Act.

Minimum Age: At the time of entering into the Arrangement, you represent that you have attained the

minimum age as speciﬁed in the Tax Act for entering into a TFSA.

Dealer: In this declaration, a “Dealer” refers to an individual or entity acting (or representing that it

acts) in connection with your Arrangement as your investment advisor, broker or dealer, or on behalf

of your investment advisor, broker or dealer. You acknowledge that a Dealer is your agent and when

acting (or representing that it acts) as a Dealer is 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 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.

Your Responsibility: You are responsible for:

(a) selecting investments for your Arrangement and assessing the merits of those investments ,

obtaining appropriate advice in respect of these matters or authorizing a Dealer to do these

things on your behalf;

(b) ensuring that contributions to your Arrangement do not exceed the maximum contribution limits

permitted by the Tax Act and that you do not make contributions to your Arrangement while

you are a non-resident of Canada; and

and are not prohibited investments, for your Arrangement under the Tax Act.

(d) providing us with information relevant to whether an investment held is a non-qualiﬁed investment

under the Tax Act;

You acknowledge and accept responsibility for these matters and undertake to act in the best interest

of your Arrangement. You conﬁrm that we are not responsible for your failure to comply with any of

these matters or for any related loss in the value of your Arrangement. You conﬁrm that we are not

responsible for any related taxes, interest or penalties imposed on you or your Arrangement, except for

those taxes, interest and penalties, if any, imposed on us by the Tax Act that are not reimbursable to

us from your Arrangement under the Tax Act. You acknowledge that a Dealer or any other person from

whom you obtain investment, tax or other advice is your agent and when acting (or representing that

it acts) as a Dealer or your advisor is not our agent or the agent of any of our afﬁliates. You will take all

necessary measures to immediately liquidate any non-qualiﬁed investment under the Tax Act, and in

the alternative, hereby authorize us to liquidate, or to give instructions to any other party to liquidate,

any non-qualiﬁed investments under the Tax Act, but in no event shall we be obligated to liquidate or

to give instructions to liquidate except as speciﬁcally authorized by you in writing.

Our Responsibility: We are ultimately responsible for the administration of your Arrangement. We are

not authorized to select investments for your Arrangement and will not assess the merits of any investment

selected by you or a Dealer. We are not responsible for providing any investment, tax or other advice to you

or a Dealer; nor are we responsible for any advice that you obtain from a Dealer or any other source. Except

for those taxes, interest and penalties imposed on us by the Tax Act that are not reimbursable to us from

your Arrangement under the Tax Act, if any, and notwithstanding any other provision of this declaration,

we shall not be liable for any taxes, interest and penalties suffered as a result of any act done by us in

reliance on your authority, the authority of a Dealer or the authority of your agent or legal representatives.

Notwithstanding any other provision of this declaration, we shall not be liable for any loss suffered as a

result of any act done by us in reliance on your authority, the authority of a Dealer or the authority of your

agent or legal representatives. We are under no obligation to verify that any person is properly authorized

to act as your Dealer, agent or legal representative or is otherwise authorized to act on your behalf.

Contributions to your Arrangement: You may make contributions to your Arrangement. If your

Arrangement is a Group TFSA as indicated in your Application, the company named in your Application

for the purposes of Group TFSAs may remit contributions to your Arrangement on your behalf. We will

also accept a transfer to your Arrangement from any source permitted by the Tax Act from time to time,

including a transfer to the Arrangement from another TFSA held by you or from a TFSA of your spouse

or former spouse where the transfer relates to a division of property arising on the breakdown of your

marriage or common-law partnership, in accordance with the Tax Act. We may accept or for any reason

refuse to accept all or any portion of a contribution or transfer of cash, securities or other assets to your

Arrangement. No person other than the holder may make contributions under the Arrangement.

with using an interest or right in the Arrangement as security for a loan or other indebtedness,

they will not apply.

14.

No borrowing: The trust governed by the Arrangement is prohibited from borrowing money or other

property for the purposes of the Arrangement.

15.

Prohibition: Except as speciﬁcally permitted under the Tax Act, no beneﬁt, loan or indebtedness that is

conditional in any way on the existence of your Arrangement or other advantage within the meaning of

the Tax Act may be extended to you or a person with whom you do not deal at arm’s length. You may

not engage in any transaction, investment, payment or transfer which is or may be an advantage or a

swap transaction under Part XI.01 of the Tax Act. Your interest or right in your Arrangement may not be

used as security for a loan or other indebtedness except as provided in Section 13 hereof. We will not

make any payments from your Arrangement except those speciﬁcally permitted under the provisions

of this declaration or the Tax Act or required by law. We reserve the right to prohibit any transaction,

investment, payment or transfer, whether an advantage or a swap transaction under the Tax Act, or

such other payment or transfer which is or may be prohibited or penalized under the Tax Act.

16.

Date of Birth and Social Insurance Number: The statement of your birth date and social insurance

number on your Application is deemed to be a certiﬁcation of its truth and your undertaking to provide

proof if requested by us.

17.

We will maintain an account of your Arrangement reflecting, with appropriate dates: (a)

contributions to your Arrangement; (b) the name, number and cost of investments purchased or sold by

your Arrangement; (c) income and other amounts received by your Arrangement; (d) cash; (e) distributions,

transfers and expenses paid from your Arrangement; and (f) the balance of your account. We will send

you a statement of your account at least once a year. Within the time prescribed by the Tax Act, we will

provide any applicable tax reporting.

18.

Fees and expenses: We may charge you or your Arrangement fees as published by us or the Administrator

from time to time. We will give you at least 30 days notice of any change in our account fees. In addition,

we are entitled to charge your Arrangement fees for out-of-the-ordinary services requested by you or a

Dealer in connection with your Arrangement and we are entitled to reimbursement from your Arrangement

for all disbursements, expenses and liabilities incurred by us in connection with your Arrangement

except for those taxes, interest and penalties imposed on us by the Tax Act that are not reimbursable

to us from your Arrangement under the Tax Act. Without limiting the generality of the foregoing, these

fees, disbursements, expenses and liabilities may include: brokerage fees and commissions, custodian

fees, administration fees and redemption fees incurred in connection with investments held in your

Arrangement; investment advisory fees paid to a Dealer; legal and accounting fees; fees in connection

with ﬁnancial arrangements made to facilitate the conversion of currency; and taxes, interest and penalties

imposed on your Arrangement except for those taxes, interest and penalties imposed on us by the Tax

Act that are not reimbursable to us from your Arrangement under the Tax Act. We are entitled to deduct

the unpaid fees, disbursements, expenses and liabilities from the assets of your Arrangement or, except

where prohibited by the Tax Act, any other account held by you with us or any of our afﬁliates and for

this purpose we are authorized, but not obliged, to realize sufﬁcient assets of your Arrangement or such

other account selected by us. We will not be responsible for any resulting loss. Except where prohibited

by the Tax Act and notwithstanding any other provision of this declaration, we are entitled to deduct

from any other account held by you with us or any of our afﬁliates those taxes, interest and penalties

imposed on us by the Tax Act that are not reimbursable to us from your Arrangement under the Tax Act.

19.

Taxes imposed on you or your Arrangement: If your Arrangement becomes liable for tax, interest or

penalties under the Tax Act or provincial legislation, we may sell any investment of your Arrangement

to pay the liability. We may, but are not obliged to, sell or otherwise dispose of any investment of your

Arrangement to avoid or minimize the imposition of tax, interest or penalties on you or your Arrangement.

Except for those taxes, interest and penalties imposed on us by the Tax Act that are not reimbursable to

us from your Arrangement under the Tax Act, if any, we will not be liable for any tax, interest or penalty

imposed on you or your Arrangement. We will not be liable for any loss resulting from the disposition

or failure to dispose of any investment held by your Arrangement.

20.

Delegation of Duties: We may appoint agents (including our afﬁliates) and may delegate to our agents

the performance of any of our duties or responsibilities under this declaration including but not limited

to administrative duties such as accepting contributions to your Arrangement, executing investment

instructions, safekeeping the assets of your Arrangement, account and record keeping, preparing

and issuing statements and tax forms, communicating with you, a Dealer or legal representatives and

responding to your or their concerns. We may also employ or engage accountants, brokers, lawyers or

others and may rely on their advice and services. We will not be liable for the acts or omissions of any of

our agents, advisors or service providers and will not be liable for the acts or omissions of a Dealer or any

of your other agents, advisors or service providers. We may pay to any agent, advisor, service provider

or Dealer and the Administrator may pay to us all or part of the fees received by us under the provisions

of this declaration and/or a fee calculated by reference to currency converted in your Arrangement.

21.

Indemnity: None of us, our ofﬁcers, employees, the Administrator and other agents will be liable for and

are indemniﬁed by you and your Arrangement from and against all expenses, liabilities, claims, losses

and demands of any nature arising out of the holding of the assets of your Arrangement; the dealing

with the assets of your Arrangement in accordance with instructions which we, our ofﬁcers, employees or

agents believe in good faith to be given by you or a Dealer or other agent; making ﬁnancial arrangements

to settle trades; and the sale, transfer or release of assets of your Arrangement in accordance with

this declaration.

22.

Amendments: From time to time, we may amend this declaration with the approval of the appropriate

revenue authorities provided that the amendment does not disqualify your Arrangement as a TFSA

under the Tax Act or other legislation. Any amendment to ensure that your Arrangement continues to

comply with the Tax Act or other legislation will be effective without notice. Any other amendment will

be effective not less than 30 days’ after notice has been provided to you.

23.

Successor Trustee: We may resign and be discharged from all duties and liabilities under this declaration

by giving written notice to the Administrator. The Administrator is initially nominated to appoint a

successor trustee. If the Administrator is unable to appoint a successor trustee of your Arrangement within

30 days’ of being appointed, then we may nominate you to appoint a successor trustee by providing

notice to you. Upon acceptance of the ofﬁce of trustee of your Arrangement, the successor trustee will

be trustee of your Arrangement as if it had been the original declarant of your Arrangement and your

Arrangement continues in full force and effect with the successor trustee. At the time of the appointment

of the successor trustee, we will be relieved of all duties and liabilities under this declaration. If you are

unable to appoint a successor trustee who accepts the ofﬁce of trustee of your Arrangement within 60

days’ of you being nominated to appoint a successor trustee, the assets of your Arrangement net of all

proper charges will be withdrawn from your Arrangement and transferred to you and we will be relieved

of all duties and liabilities under this declaration.

24. Notice to you: Any notice, request or other communication required or permitted to be given to you by

us must be in writing and will be sufﬁciently given if it is sent by pre-paid mail, telecopier, electronic mail

or other form of electronic transmission addressed to you at the address provided on your Application or

subsequently provided by you or a Dealer in a notice to us. For greater certainty, we are not responsible for

verif ying the accuracy or currency of any address provided to us. Any notice, request or other communication

will be deemed to have been given to you and received by you on the day of mailing or transmission.

25.

Notice to us: Except as other wise provided in this declaration, any notice, request or other communication

required or permitted to be given to us by you or a Dealer must be in writing and will be sufﬁciently

given if it is in a form satisfactory to us and is received by the Administrator by pre-paid mail, courier

or telecopier addressed to us or the Administrator at the address for the Administrator last provided to

you. We are permitted but not obliged to accept and act on a notice, request or other communication

given to us by you or a Dealer by internet, electronic transmission or telephone. We may for any reason

refuse to act on any notice, request or other communication given to us by you or a Dealer and we will

not be responsible for any resulting loss. 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 the Administrator.

26.

Language: You have requested that your Application, this declaration and all ancillary documents

be provided to you in English. Vous avez exigé que votre demande, la présente déclaration et tous les

documents accessoires vous soient fournis en anglais.

27.

Governing Laws: This declaration will be governed, construed and enforced in accordance with the

laws of Ontario and Canada except that the word “spouse” as used in this declaration refers to a person

recognized as your spouse or common-law partner for the purposes of the Tax Act.

28.

Specimen Plan: TFSA 04170015.

Date: March 2012

Privacy Protection Notice

Mackenzie Financial Corporation (referred to in this Notice as “we”, “us”, “our”, and “Mackenzie”) has

always been committed to protecting the privacy of personal information that we collect and maintain in

the course of carrying on our business. This Notice describes how we collect, hold, use, and disclose your

personal information. Please read this Notice and contact us through any of the means listed at the end

of the document if you have any questions.

Members of the Mackenzie Group of Companies include any afﬁliates or successor companies of Mackenzie

whose business relates to a purpose identiﬁed in this Notice.

In this Notice, your “Dealer” refers to an individual or entity acting or representing that it acts in connection

with your investments as your investment advisor, broker, or dealer, or on behalf of your investment advisor,

broker, or dealer. By applying for one of our products or services, you acknowledge and agree 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.

1. Client Record and Personal Information: We hold the personal information we collect about you (and

your spouse and/or beneﬁciary as applicable) for the purposes identiﬁed in this Notice in a record called

the “client record”. Depending on the investment or service you request, the personal information in

your client record may include your name, address, telephone number, social insurance number (“SIN”),

birth date, account holdings, and the name, address, and SIN of your spouse and/or beneﬁciary among

other information. For example, if you have established a pre-authorized payment plan, your ﬁnancial

institution account number is also held in your client record. Where you provide personal information

about another individual, you represent to us that you are authorized to disclose such information to us.

2. Providing Your Personal Information to Us: When you or your Dealer complete an application form

or otherwise open an account with Mackenzie, you are providing personal information to Mackenzie,

including, where applicable, personal information concerning your spouse and/or beneﬁciary, in order to:

make an investment;

provide instructions about an investment you have made; or

receive information related to an investment you have made.

Mackenzie collects this personal information, holds it in your client record, uses it, and discloses it for

the purposes identiﬁed in this Notice.

3. Collecting, Holding, Using, and Disclosing Personal Information in Your Client Record: Mackenzie

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 identiﬁed in paragraph 4 for

the following purposes:

identifying you and ensuring the accuracy of information contained in your client record;

establishing and administering your account, determining, maintaining, recording, and storing

account holdings and transaction information in your client record;

executing transactions with or through Mackenzie including transferring funds by electronic or

other means;

providing you and your Dealer with account statements, transaction conﬁrmations, tax receipts,

ﬁnancial statements, proxy mailings, registered plan notices, and other information which you

or your Dealer may request as needed to service your account;

verifying information previously given by you with any other organization when necessary for

the purposes provided in this Notice;

processing pre-authorized debit transactions;

collecting a debt owed to Mackenzie;

engaging in the ﬁnancing or sale of all or part of our businesses, reorganizing our businesses,

and obtaining and submitting insurance claims; and

meeting legal and regulatory requirements.

(h)

the disclosure of this information is directly related to and necessary for the proper application of the

rules applicable for pre-authorized debits.

You agree that the information in this application will be shared with the ﬁnancial institution, insofar as

(i)

You acknowledge and agree that you are fully liable for any charges incurred if the debits cannot be made

due to insufﬁcient 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.

February 2010

B2B Trust

Deposit Terms and Conditions

B2B Trust, and/or any of its afﬁliates (including their respective successors and assigns), accept deposits

including, but not limited to, Guaranteed Investment Certiﬁcates (the “Term Deposit(s)”) and Money

Maximizer, Mackenzie Tax-free Savings Account High Interest Cash Builder, Counsel Premium Cash Account,

and Quadrus Group of Funds TFSA High Yield Savings 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 Trust and/or any of its afﬁliates (including their respective

successors and assigns) from time to time, such as cash balances (the “Cash Deposit(s)”) held by B2B

Trustco for registered and non-registered tax deferred accounts. Each of B2B Trust, B2B Trustco and/or

any of their afﬁliates (including their respective successors and assigns) that accept Deposits is a member

institution of the Canada Deposit Insurance Corporation (CDIC). Go to

www.b2btrust.com

, for a current

list of Deposits, information on our complaint resolution process, our code of conﬁdentiality, and interest

rates. Go to

www.mackenzieﬁnancial.com, www.counselservices.com

and/or

www.quadrusgroupoffunds.

com

for a current list of our Deposits, information on complaint resolution process, privacy protection notice

and interest rates and minimum threshold information.

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 codepositor(s)

and “we”, “us” and “our” means B2B Trust and/or any of its afﬁliates (including their respective successors

or 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 Trust and/or any of its afﬁliates

(including their respective successors and assigns).

(b) Interest Calculation and Payment

(i) Cash Deposit(s)and Non-Term Deposit(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 applicable deposit rates posted on our websites). 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.

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 proﬁts

resulting from any investment of the principal in excess of the amount of any interest payable to you.

(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 sufﬁcient

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.

(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

ﬂuctuation and posted on (

www.b2btrust.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.

4. Third Parties:

Mackenzie may collect your personal information for the purposes identiﬁed in this Notice from

third parties such as your Dealer, other companies in the Mackenzie Group of Companies, other

ﬁnancial institutions and mutual fund companies, and from third parties who represent that

they have the right to disclose the information.

Mackenzie may transfer your personal information for the purposes identiﬁed in this Notice

to our service providers, such as account statement preparation and mailing companies,

courier companies, imaging companies, and document storage companies. When Mackenzie

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 and is protected to the same degree as it is when in our possession. We may use

service providers located outside of Canada, and where we do, personal information may be

disclosed in accordance with the laws of the jurisdiction in which the service provider is located,

including to the government in that jurisdiction and its agencies.

Mackenzie 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.

Mackenzie may disclose your personal information for the purposes identiﬁed in this Notice

to third parties such as your Dealer, third party service providers, data-processing ﬁrms, other

companies in the Mackenzie Group of Companies, other ﬁnancial institutions and mutual fund

companies, and group plan administrators. 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. Your decision to withdraw consent may prevent Mackenzie from providing or continuing to

provide 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 SIN: By law, Mackenzie is required to use your SIN when submitting tax reports to the

Canada Revenue Agency. We may use your SIN as an identiﬁer for reasons such as consolidating your

holdings so that fees associated with your account are reduced or are not charged more than once, or

that your mailings are delivered in one envelope or are not duplicated. Also, we may share your SIN as

a unique identiﬁer for the purposes identiﬁed in this Notice to third parties such as your Dealer, group

plan sponsor, and third party service providers. If you have any questions or concerns about the use of

your SIN please contact us.

6. Location of Your Client Record: Your client record is kept in electronic, microﬁlm, or paper format

primarily in Toronto, but it may also be kept in other Canadian locations. To request access to your client

record, please contact us.

7. Changes to Your Personal Information: Please inform Mackenzie promptly of any change in the

personal information that you have provided.

8. Right to Access and Rectify Personal Information: You are entitled to access, through a written

request, the personal information contained in your client record, subject to limited exceptions set

out in law. You may verify this personal information and request that any inaccurate information be

corrected. To access and correct your personal information, please contact us.

9. Resolving Your Questions and Concerns: If your concerns about access to and/or the correction

of your personal information have not been resolved to your satisfaction, or if you have any

questions or other concerns about our management of your personal information, you can contact

the Privacy Compliance Ofﬁcer, Mackenzie Investments, 180 Queen Street West, Toronto, Ontario,

M5V 3K1. You may also send an email to privacy@mackenzieinvestments.com. If after contacting the

Privacy Compliance Ofﬁcer your question or concern has not been resolved, we can direct you to the

appropriate federal or provincial Privacy Commissioner.

Mackenzie Client Relations:

Telephone: 416-922-3217 or 1-800-387-0614

E-mail: service@mackenzieinvestments.com

Revised: January 2012

Pre-Authorized Debit (PAD)

Terms and Conditions

(a) By signing this application, you (the bank account holder(s)) hereby waive any

pre-notification requirements as specified by sections 15(a) and (b) of the Canadian

Payments Association Rule H1 with respect to pre-authorized debits.

(b)

You authorize Mackenzie Financial Corporation (Mackenzie) 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 deﬁnition. If this is for business purposes, it will be considered a

Business PAD. Monies transferred between CPA members will be considered a Funds Transfer 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

ﬁnancial institution or visit

www.cdnpay.ca

(e)

You conﬁrm 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 Mackenzie 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

ﬁnancial institution or visit the Canadian Payments Association website at

www.cdnpay.ca

. You agree

to release the ﬁnancial institution of all liability if the revocation is not respected, except in the case of

gross negligence by the ﬁnancial institution.

(g)

Mackenzie is authorized to accept changes to this agreement from my registered dealer or my ﬁnancial

advisor in accordance with the policies of Mackenzie, in accordance with the disclosure and authorization

requirements of the CPA.

(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 our Problem Resolution Process which is available online at

www.b2btrust.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

ﬁnancial information in accordance with our Code of Conﬁdentiality as amended from time to time.

The Code of Conﬁdentiality 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 Conﬁdentiality. Our Code of

Conﬁdentiality is available on request and on our website at

www.b2btrust.com

(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 speciﬁed 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 Trust

199 Bay Street, Suite 600

PO Box 279 STN Commerce Court

Toronto, Ontario 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 speciﬁed otherwise, if notice is provided by

post, you will be deemed to have received the notice on the date that is ﬁve (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 Conﬁrmations

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 conﬁrmation 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 conﬁrmation and from any other claim for negligence, conversion,

breach of trust, breach of ﬁduciary 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. 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 présentes ou s’y rattachant soient rédigés en anglais.

B2B Trustco

199 Bay Street, Suite 600

PO Box 279 STN Commerce Court

Toronto, Ontario M5L 0A2

1-888-677-5363 or 416-926-0570

AP1033 1113182 11/19

GENERAL INQUIRIES

For all of your general inquiries and account information please call:

ENGLISH 1-800-387-0614

BILINGUAL 1-800-387-0615

ASIAN INVESTOR SERVICES 1-888-465-1668

TTY 1-855-325-7030 416-922-4186

FAX 1-866-766-6623 416-922-5660

E-MAIL service@mackenzieinvestments.com

WEB mackenzieinvestments.com

Find fund and account information online through Mackenzie Investments’ secure InvestorAccess.

Visit mackenzieinvestments.com for more information.

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