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
cash
cash
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
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 simplied 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
X
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
%
1
Once every 14 days
2
15
th
and end of month
3
Every other month
4
Every six months
Process my
PAC purchase:
AnnuallyMonthly QuarterlyWeekly
Bi-Weekly
1
Semi-Annually
4
Semi-Monthly
2
Bi-Monthly
3
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
0.00
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.
A
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.
B
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.
2.
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 specied. 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 afliates (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.
X
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
A
Transfer the systematic
withdrawal amount(s)
I selected in Sections
4 & 6 to the fund(s)
specified below:
B
Transfer my free
annual redemption
amount to the fund(s)
specified below
*
:
C
Exchange my reinvested
dividends and distribu-
tions to the fund(s)
specified below
**
:
FROM
Fund Name Fund Number
TO
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 afliates, 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.
9.
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 sufcient 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 beneciary 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.
1.
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
register the Arrangement as a tax-free savings account (“TFSA”) under the Income Tax Act (Canada) (such
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.
2.
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.
3.
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.
4.
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.
5.
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
(c) ensuring that the investments held in your Arrangement are at all times qualified investments,
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.
6.
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.
7.
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 afliates 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 ofcers, 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 ofce 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 ofce 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 afliates 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:
A.
make an investment;
B.
provide instructions about an investment you have made; or
C.
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:
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 and transaction information in your client record;
C.
executing transactions with or through Mackenzie including transferring funds by electronic or
other means;
D.
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;
E.
verifying information previously given by you with any other organization when necessary for
the purposes provided in this Notice;
F.
processing pre-authorized debit transactions;
G.
collecting a debt owed to Mackenzie;
H.
engaging in the financing or sale of all or part of our businesses, reorganizing our businesses,
and obtaining and submitting insurance claims; and
I.
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 insufcient 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 afrant 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 afliates (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 afliates (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.
(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 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:
A.
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.
B.
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.
C.
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.
D.
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.