High Interest Savings Account (HISA) Application Form and Terms and Conditions

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1 Registration Type: Single Joint tenants (with right of survivorship) Informal trust Personal Information of Applicant Title: Mr. First name: John Middle Initial: Last name: Loan Date of birth: October 01, 1989 Social Insurance Number: Home address: 13 Street1 Toronto, ON, CANADA, A1B2C3 Home phone: (111) Business phone: (333) Mobile phone: (222) Ext: address: Occupation: Government Employer s name: City Of Toronto Employer s Address: Emp Address 1 Canadian Citizen: Yes Citizen of another country or dual citizenship: Yes If yes, please specify: UNITED STATES US Citizen: Yes US Tax resident: Yes US Tax Identification Number (TIN): Politically Exposed Person: I, my spouse or common- law partner, parents, children, brothers or sisters, half- brothers or half- sisters or my spouse s or common- law partner s mother or father has been: a head of state or government, a member of the executive council of government or a member of a legislature; a deputy minister or equivalent; an ambassador; an ambassador s attaché or councillor; obtained the rank of general or higher in the military; a president of a state owned company or bank; a head of a government agency; a judge; a leader or president of a political party in a legislature; a member of the federal or provincial cabinet; mayor, head of council, member of an executive committee or a senior civil servant with executive discretion and decision making authority in any municipal or regional government or band council; a union official. Yes (If Yes, please complete following) Name of Person who holds/has held the position: Country where position held: Start year: End year: Position held: Personal Information of Co- Applicant (if joint registration) Title: First name: Jane Middle Initial: Last name: Loan Date of birth: April 20, 1990 Social Insurance Number: Home address: 35 Street A Toronto, ON, CANADA, A1A1A1 Home phone: Business phone: Mobile phone: Ext: address: Occupation: Sales Employer s name: Sears Employer s Address: Canadian Citizen: Yes Citizen of another country or dual citizenship: No If yes, please specify: US Citizen: No US Tax resident: No US Tax Identification Number (TIN): Politically Exposed Person: I, my spouse or common- law partner, parents, children, brothers or sisters, half- brothers or half- sisters or my spouse s or common- law partner s mother or father has been: a head of state or government, a member of the executive council of government or a member of a legislature; a deputy minister or equivalent; an ambassador; an ambassador s attaché or councillor; obtained the rank of general or higher in the military; a president of a state owned company or bank; a head of a government agency; a judge; a leader or president of a political party in a legislature; a member of the federal or provincial cabinet; mayor, head of council, member of an executive committee or a senior civil servant with executive discretion and decision making authority in any municipal or regional government or band council; a union official. No (If Yes, please complete following) Name of Person who holds/has held the position: Country where position held: Start year: End year: Position held: 145 King Street West, Suite 2300, Toronto ON M5H 1J8 1 of 7

2 Account Information Third Party Determination: Will this account be used for the benefit of or on behalf of anyone not disclosed on this application? Yes If yes, please complete the information below: Name: Dave Wild Address: 22 Here St. Toronto ON L3P 3K3 Incorporation number (if applicable): Jurisdiction of registration (i.e., federal or provincial) (if applicable): High Interest Savings Account (HISA) Date of Birth: August 15, 1963 Occupation/Nature of Business: Account holder s relationship to the third party identified above (i.e., accountant, agent, legal counsel, borrower, customer, employee, friend, relative, shareholder, director, etc.): friend Purpose of Investment income Retirement Education Vacation Other (please specify): account: Source of initial deposit: Other investment Accumulated savings Gift Inheritance Other (please specify): other source 145 King Street West, Suite 2300, Toronto ON M5H 1J8 2 of 7

3 Acknowledgement, Consent and Authorization - Please read carefully and sign below. High Interest Savings Account (HISA) If more than one person has applied for this Account, each of them provides the following acknowledgement, consent and authorization. Consent to the Collection, Use and/or Disclosure of Personal Information By signing this form, I consent to the collection, use and disclosure of my personal information contained on this form or otherwise collected by CFF Bank during the course of our relationship for the purpose of verifying my identity, establishing, maintaining and servicing an account in my name, meeting legal, regulatory, and industry self- regulatory requirements and for statistical, audit and security purposes in the manner set out in the published privacy policy available at or otherwise as permitted or required by applicable law (including foreign law applicable to our service providers). In order to confirm my identity, I authorize CFF Bank to: use and disclose my personal information provided in this form to obtain a consumer report or other type of report from a credit bureau/consumer reporting agency at the time of and at any time during the application process; and, use and disclose my personal cheque submitted in connection with this account application to verify my deposit account with a Canadian financial institution. CFF Bank may use and disclose personal information in connection with the proposed or actual financing, securitization, insuring, sale, assignment, transfer or other disposal of all or part of its business or assets, including my account, any debt or interest due to me, and any of my rights and obligations, for the purposes of evaluating and/or performing the proposed transaction. Assignees or successors of its business or assets may use and disclose my personal information for similar purposes as those described in CFF Bank s privacy policy. I understand that CFF Bank may use agents and service providers (including affiliates acting in this capacity) to collect, use, store and/or process personal information on its behalf and that these entities may be located outside of Canada. As a result, my personal information may be accessible to foreign government, regulatory and national security authorities in certain circumstances. For more information about how CFF Bank collects, uses and discloses personal information, or if I have any questions or concerns, including with respect to the use of service providers located outside of Canada, I understand that I may contact CFF Bank or visit its website at to obtain a copy of the CFF Bank privacy policy. Joint Accounts If more than one person has applied for this Account, any notices, statements, and other documents related to this Account will be sent to each co- applicant, unless each co- applicant requests that we send such notices, statements and other documents related to this Account only to one co- applicant. Each of the co- applicants requests that all statements, notices and other documents related to this Account be provided solely to: Name of Applicant to receive notices: Account Holder: Mr. John Loan Joint Account Holder (If applicable): Jane Loan Electronic Communications þ Address of Applicant: Address of Co- Applicant: (if no request for communications to be sent to one co- applicant under Joint Accounts above has been made) By checking the box and providing my address above, I agree that CFF Bank may send me confirmations or information related to my account, contact me by about my account or for general account servicing and/or collection purposes, and send me by information about products and services I might find useful as well as those of its affiliates and third party marketing 145 King Street West, Suite 2300, Toronto ON M5H 1J8 3 of 7

4 partners. I understand that providing my address is entirely voluntary and that I may withdraw this consent at any time by contacting CFF Bank at 2020 Winston Park Drive, Suite 201, Oakville, ON L6H 6X7 or by calling CFF- BANK ( ). Consent to Electronic Delivery of Documents I consent to the electronic delivery of the following information through CFF Bank online banking and through the following address: i. Monthly statements; ii. Changes to the account terms, products or services; iii. Changes to any interest rate(s), fee(s), and any other items mentioned in the disclosure statements CFF Bank sends me for new accounts or other products or services; iv. Communications about the terms and conditions applicable to my account, including changes and confirmations; and v. Any other confirmation, notice or information that CFF Bank is required by law to provide me in writing relating to my account. I understand that I may revoke my consent to have documents delivered to me electronically at any time by calling CFF- BANK ( ) during operating hours or by notifying us in writing at 2020 Winston Park Drive, Suite 201, Oakville, ON L6H 6X7. CFF Bank will confirm that it has received my revocation and specify when it takes effect in writing through electronic or paper delivery. I understand that I will be able to print and/or save any document made available through online banking or sent via , as applicable. I acknowledge that I am responsible for retaining a copy of all documents for my records. The length of time the documents are available on the website is clearly explained on the website. I also have the ability to contact CFF Bank for a copy of historic documents no longer on the website that may be subject to records retention requirements. I understand that I am responsible for informing CFF Bank of any changes to my address. By signing below, I acknowledge and agree that I consent to the collection, use, retention and disclosure by CFF Bank of my personal information as contemplated above and as set out in detail in CFF Bank s privacy policy available at and, in particular, I consent to CFF Bank obtaining credit, financial and related personal or business information about me (including a consumer or credit report or other type of report) from any credit bureau or credit reporting agency from time to time. These consents will be valid so long as required to fulfill the purposes described in this attached Account Terms and Conditions. My signature below indicates that I have carefully reviewed and received a copy of the Application and attached Account. Signatures Account Holder: Mr. John Loan Joint Account Holder (If applicable): Jane Loan FOR OFFICE USE ONLY Applicant s Client number: Co- Applicant s Client number: Account number: Center number: 0001 Centre name: Toronto Branch 145 King Street West, Suite 2300, Toronto ON M5H 1J8 4 of 7

5 You have invested in a High Interest Savings Account (the HISA or Account ) as referred to on the accompanying application form (the Application ). These form part of your Application and, together with your Application, set out the terms and conditions that apply to your Account. In these, the words us, our, we and the Bank refer to CFF Bank. You, your and Owner(s) refers to the person(s) named in the Application. Capitalized terms not otherwise defined herein have the meanings attributed to them in the Application. Upon our acceptance of your Application, you agree the following terms and conditions apply to the Account. 1. Funds Transfer: We will initiate a funds transfer to the Account in accordance with the Authorization (if any) given above. 2. Deposits: Funds transferred to the Account from other accounts held with CFF Bank will be deposited to the Account immediately. Funds transferred from other Financial Institutions are subject to a hold period and will be provisionally deposited to the Account until such time as the funds are cleared and settled by the other Financial Institution. 3. Holds Funds Policy: If your deposit is subject to a hold, the full amount of the deposit will be credited to your account immediately; however, you will not be able to access the funds being held for any purpose, including to honour any cheques, pre- authorized payments or withdrawal of funds until the expiry of the hold period. This is with the exception that a minimum of $100 of all funds deposited by qualified Canadian cheque, bank draft, money order or other instrument drawn on another financial institution with Canada on any one day will be available for withdrawal except in certain exceptional circumstances as identified below. The duration of the hold period will be for the following number of Business Days. Deposits made on a Saturday, Sunday or bank holidays will be deemed to have been deposited on the next business day. Funds Transfer: All amounts Cheques: Less than or equal to $1, Greater than $1, Maximum 3 days 5 days 8 days The hold period on cheques mailed to the Bank for deposit will commence on the business day following receipt of the cheque by the Bank. The hold period for cheques deposited in an ABM, at such time as this service is offered by the Bank will commence 2 business days after the day of deposit. The hold period for funds transfers will commence the business day following the date the funds transfer was initiated. You understand the maximum hold period may not apply in exceptional circumstances, including but not limited to where (a) the Bank has reasonable grounds to believe there may be illegal, fraudulent or improper activity in relation to your Account; (b) your Account has been open for less than 90 days; (c) the deposited cheque or other Instrument has been endorsed more than once; or (d) the cheque or other Instrument is deposited more than six (6) months after the date of the cheque/instrument. You also understand that a hold does not guarantee that a cheque or other non- cash deposit will not be returned unpaid after the hold period has expired. If a cheque or other non- cash deposit is returned to the Bank unpaid for any reason at any time during or after the expiry of the applicable hold period, the Bank has the right to charge the amount to your Account together with any applicable fees. 4. Interest: We will pay you interest at the rate in effect from time to time for this Account. This rate can change without notice. Interest is calculated daily on the closing balance of the Account and paid monthly at the end of the month. The rate of interest in effect can be found on cffbank.ca. The daily interest amount is calculated to ten (10) decimal places, and after all of the calculations are added together the total amount is rounded to two (2) decimal places. 5. Multiple Owners: If there are two or more Owners and they are identified as joint tenants with rights of survivorship, we can take instructions from any one of the Owners concerning matters in connection with the Account. 145 King Street West, Suite 2300, Toronto ON M5H 1J8 5 of 7

6 High Interest Savings Account (HISA) 6. CDIC Deposit Insurance: Investments made in Canadian currency and having a term of 5 years or less may be eligible for insurance coverage from Canada Deposit Insurance Corporation (CDIC). Information and eligibility requirements can be obtained through the CDIC website at or by contacting them at Assignment: Accounts are not assignable or transferable by you. Accounts are transferrable at our sole discretion. A service fee in accordance with the Fee Schedule may apply to transfers. 8. Delegation of Duties: We may appoint an agent (the Agent ) to perform certain administrative and other duties relating to the operation of the Account as we may determine from time to time. Commission paid to any Agent so engaged is paid by us and is not paid from the principal or interest of the Account. 9. Amendments: We may amend these at any time and notify you at the address provided by you on the Application. If we mail a notice, it will be considered to have been received by you five (5) days after we sent it. [NTD: We are fine with these changes, but please note that this change should be made in all of the documentation.] The current version of these may be obtained at any time at or by calling us during regular business hours at Liability: In the event that you suffer any loss or harm as a result of our negligence or wilful misconduct, our liability shall be limited to the amount of the item or the direct damage that you have suffered. We shall not be liable for any indirect, special or consequential damages. 11. Customer Service: In the event that you have an inquiry or concern about this Account, contact the Customer Sales and Service Centre at CFF- BANK ( ), by at or in writing to CFF Bank, 2020 Winston Park Drive, Suite 201, Oakville ON L6H 6X7. If your concern has not been resolved to your satisfaction, the concern may be advanced to our Ombudsman at Further information about our complaint escalation steps is available on our website at If you remain dissatisfied, you may contact the Ombudsman for Banking Services (OBSI). Contact information for OBSI is included in the complaints escalation steps available on our website at If you have a complaint about a product or service offered by the Bank or about any other obligation of the Bank under a consumer provision of the Bank Act (Canada), you may contact the Financial Consumer Agency of Canada (FCAC) in writing at its office at 427 Laurier Avenue West, 6 th Floor, Enterprise Building, Ottawa, Ontario K1R 1B9 or through its website at acfc.gc.ca. For telephone enquiries, please contact the FCAC at Toll Free (English) or Toll Free (French). 12. Governing Law: The terms and conditions of the Account are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. Without prejudice to the ability of any party to enforce the Account in any other proper jurisdiction, each of us and you irrevocably and unconditionally submits and attorns to the non- exclusive jurisdiction of the courts of the Province of Ontario to determine all issues whether at law or in equity arising from this Account. 13. Choice of Language: You agree that the application and all documents relating to the Account will be issued in English only. Vous avez expressément demandé que les présentes modalités ou tout autre document y afférent soient rédigés en anglais. 14. Severability: In the event that all or any part of a provision herein is determined by a court of competent jurisdiction to be invalid or unenforceable for any reason, then such provision or such part of a provision shall be deemed to be severable and the remainder of these shall remain in full force and effect notwithstanding such severance. 15. Binding: The terms and conditions of the Account will be binding on your heirs, executors, administrators or legal representatives and on our successors and assigns. 16. Set off: We reserve the right to use the Investment to pay any debts or other obligations you owe us. 17. Dormancy: You agree that the Account will be marked as inactive if no activity (withdrawal, deposit or online transaction, initiated by you) occurs in your Account for a period of one year. Notification will be sent to your last known address, as shown in our records, in the second, fifth and ninth year of inactivity. We may charge dormant account fees to your Account and if 145 King Street West, Suite 2300, Toronto ON M5H 1J8 6 of 7

7 there are insufficient funds to cover such fees, you authorize us to close your Account without notice. If you have not contacted us within ten years from the date your Account was marked as inactive, your Account will be designated as abandoned. You understand that, in accordance with federal law, if your Account has been designated as abandoned, we will transfer any positive balance in your Account to the Bank of Canada and it will be your responsibility to file a claim with the Bank of Canada to obtain the balance. 145 King Street West, Suite 2300, Toronto ON M5H 1J8 7 of 7

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