August 28, C-106

Size: px
Start display at page:

Download "August 28, 1996 2 C-106"

Transcription

1 August 28, C-106 QUESTIONS ANSWERS A. Transactions prior to September 1, 1996 All mutual fund transactions that were off-book as defined in IDA Compliance Interpretation Bulletin C-93 prior to September 1, 1996, for which Member firms registered representatives accommodated client mutual fund transactions directly between the mutual fund company and their clients without opening an account at the Member firm. i) Are Member firms required to reconstruct and maintain historical mutual fund security position records for trades prior to September 1, 1996? For Contractual {pre-authorized chequing (PAC)/automatic withdrawal (AWD)} Plans set up prior to September 1, 1996 where clients purchase or redeem set amounts of mutual funds on a regular or predetermined basis and the cash is drawn directly by the Fund Company from the client s bank account or forward to the client s bank account from the fund company: i) Are Member firms required to open an account? ii) Are Member firms required to record transactions for this plan? iii) Are Member firms required to maintain a mutual fund security position For mutual fund purchases after September 1, 1996 in n-contractual (regular investment accounts or client self-directed registered retirement savings plans (RRSP) held at a fund company) accounts that exist prior to September 1, 1996: i) Are Member firms required to open an account for the client on their (Cash books? accounts) ii) Are Member firms required to record mutual fund transactions in this account? iii) Are Member firms required to maintain a mutual fund security position * t applicable as off-book mutual fund transactions were in client name only.

2 August 28, C-106 B. Purchases on or after September 1, All Member firms are required by SRO rules and Provincial Securities Acts to: Open client accounts; a) Contractual Plans opened on or after September 1, 1996: i) Can cash be sent directly to the Fund Company from the client s bank, however, the, however, the account? first transaction first transaction must be booked must be booked by the Member by the Member firm. firm. ii) Are Member firms required to open an account on their records? iii) Are Member firms required to record any transactions?, for the first transaction. iv) Are Member firms required to send trade confirmations and account, for the first, for the first statements to each client? transaction and transaction. thereafter written summaries of trades every six months. v) Are Member firms required to maintain a security position b) n-contractual Purchases on or after September 1, 1996: i) Can cash be sent directly to the Fund Company from the client s bank account? ii) Are Member firms required to open an account on their records? iii) Are Member firms required to record any transactions? iv) Are Member firms required to send out trade confirmations and account statements to clients? v) Are Member firms required to maintain a mutual fund security position

3 August 28, C-106 C. GROUP RRSP Self-Directed Group RRSP s at the Fund Company are held in client name only and may be in contractual or non-contractual form. All Member firms are required by SRO rules and Provincial Securities Acts to: Open cash account for each participant; For contractual group RRSP plans, please refer to Section B, Part a). For non-contractual group RRSP plans, please refer to Section B, Part b). D. Redemptions For redemptions of mutual fund units held in regular Investment accounts or client requests to set up automatic withdrawal plans: i) Are Member firms required to record any transactions?, security position does not exist on the books of the Member. ii) Are Member firms required to send trade confirmations and account statements to client? iii) Are Member firms required to maintain a security position

4 August 28, C-106 E. Client self-directed RRSP Transfers For client self-directed RRSP transfers where the authorization to transfer the account is duly executed by the client, all Member firms are required by SRO rules and Provincial Securities Acts to: Open client accounts; a) Dealer to dealer transfer of client self-directed RRSP. Account held at the fund company, where the only change involved is the dealer/member firm code and the registered representative code. i) Are Member firms required to open an account on their books? ii) iii) iv) Are Member firms required to record the transfer on their books? Are Member firms required to record subsequent transactions? Are Member firms required to send trade confirmations and account statements to clients for subsequent transactions? v) Are Member firms required to maintain a mutual fund security position b) Transfer of a client self-directed RRSP at a financial institution to a client self-directed RRSP at a fund company on the advice of a Member firm s registered representatives. For example, cash from a maturing registered product (Term Deposit/GIC) in a client self-directed RRSP account at the financial institution to mutual fund units in a client self-directed RRSP account at the fund company. i) Are Member firms required to open an account on their records? ii) iii) iv) Are Member firms required to record the transfer? Are Member firms required to record subsequent transactions? Are Member firms required to send trade confirmations and account statements to clients for subsequent transactions? v) Are Member firms required to maintain a mutual fund security position, cash account., cash account * t applicable because client self-directed RRSP accounts are in client name only.

5 August 28, C-106 F. Switch transaction For switch transaction which comprises a redemption and a purchase within the same client account and the same fund company involving any combination of equity, money market and next day pricing funds. All Member firms are required by SRO rules and Provincial Securities Acts to: i) Are Member firms required to record any transactions?, security position does not exist on the books of the Member.* ii) Are Member firms required to send trade confirmations and account statements to client? iii) Are Member firms required to maintain a mutual fund security position G. General Is the filing for exemptions to the Provincial Securities Commissions on hold? Are Member firms required to send trade confirmations for dividend reinvestments?, pending decision from CSA on this matter., dividend reinvestment is an entitlement not a purchase. *However all Member firms must maintain Know Your Client information to ensure the suitability of the purchase side of the switch transaction.

TYPE A MUTUAL FUND ASSUMPTIONS FOR EXAMPLES #1 TO #4: EXAMPLE #1 DIVIDENDS OR DIVIDEND REINVESTMENT

TYPE A MUTUAL FUND ASSUMPTIONS FOR EXAMPLES #1 TO #4: EXAMPLE #1 DIVIDENDS OR DIVIDEND REINVESTMENT ASSUMPTIONS FOR EXAMPLES #1 TO #4: Price on trade date is $10.00 per unit for Equity Fund and $11.00 per unit for Growth Fund Price movement to $11.00 per unit for Equity Fund and $10.00 per unit for Growth

More information

Commission & Fee Schedule

Commission & Fee Schedule BMO InvestorLine MAY 1, 2015 & Fee Schedule Count on us for competitive commissions & fees At BMO InvestorLine, we re serious about arming investors like you with the tools and resources you need to invest

More information

MS. JULIE STATEMENT 227 KING ST S WATERLOO, ON N2J 4C5

MS. JULIE STATEMENT 227 KING ST S WATERLOO, ON N2J 4C5 MS. JULIE STATEMENT 227 KING ST S WATERLOO, ON N2J 4C5 If you have questions about your savings and retirement statement, please contact your advisor, John Advisor, at (999)999-9999. Or call our Customer

More information

Contact: Stacey Shein. December 17, 2013. Policy. for Individual. Trading. and Guidelines. Automatic. plans. docs# 362675v2

Contact: Stacey Shein. December 17, 2013. Policy. for Individual. Trading. and Guidelines. Automatic. plans. docs# 362675v2 Contact: Stacey Shein Legal & Policy Counsel Phone: 416-943-7456 E-mail: sshein@mfda.ca BULLETIN #0589-P December 17, 2013 MFDA Bulletin Policy For Distribution to Relevant Parties within your Firm Revised

More information

ScotiaFunds. Annual Information Form. May 12, 2014

ScotiaFunds. Annual Information Form. May 12, 2014 ScotiaFunds Annual Information Form May 12, 2014 Scotia Short Term Yield Class (Series M shares) Scotia Conservative Government Bond Capital Yield Class (Series A and M shares) Scotia Canadian Corporate

More information

Guide. For advisor information only. B2B Bank Dealer Services

Guide. For advisor information only. B2B Bank Dealer Services Guide For advisor information only B2B Bank Dealer Services About us B2B Bank Dealer Services is one of Canada s largest carrying dealer organizations, providing account administration, clearing and settlement,

More information

MAWER MUTUAL FUNDS SIMPLIFIED PROSPECTUS

MAWER MUTUAL FUNDS SIMPLIFIED PROSPECTUS MAWER MUTUAL FUNDS SIMPLIFIED PROSPECTUS Offering Series A and Series O Units of: MAWER CANADIAN MONEY MARKET FUND MAWER CANADIAN BOND FUND MAWER GLOBAL BOND FUND MAWER BALANCED FUND MAWER TAX EFFECTIVE

More information

MS. JULIE STATEMENT 227 KING ST S WATERLOO, ON N2J 4C5

MS. JULIE STATEMENT 227 KING ST S WATERLOO, ON N2J 4C5 MS. JULIE STATEMENT 227 KING ST S WATERLOO, ON N2J 4C5 If you have questions about your savings and retirement statement, please contact your advisor, John Advisor, at (999)999-9999. Or call our Customer

More information

Registered Retirement Income Funds

Registered Retirement Income Funds Registered Retirement Income Funds The Income Tax Act states that a Registered Retirement Savings Plan (RRSP) matures by December 31 of the year in which the planholder (annuitant) reaches age 69. At the

More information

The Pinnacle Funds. Simplified Prospectus. December 11, 2009 Class A and Class F units and Class I units where noted. Money Market Fund.

The Pinnacle Funds. Simplified Prospectus. December 11, 2009 Class A and Class F units and Class I units where noted. Money Market Fund. The Pinnacle Funds Simplified Prospectus December 11, 2009 Class A and Class F units and Class I units where noted Money Market Fund Pinnacle Short Term Income Fund Bond Funds Pinnacle Income Fund Pinnacle

More information

FUND FACTS RIDGEWOOD CANADIAN BOND FUND. March 16, 2015

FUND FACTS RIDGEWOOD CANADIAN BOND FUND. March 16, 2015 FUND FACTS RIDGEWOOD CANADIAN BOND FUND March 16, 2015 This document contains key information you should know about Ridgewood Canadian Bond Fund. You can find more details in the fund s simplified prospectus.

More information

Commission and Fees Schedule

Commission and Fees Schedule Commission and Fees Schedule Effective October 6, 2014 As a client of CIBC Investor s Edge, you have agreed to pay certain charges based on the types of investments you buy, sell and hold in your account.

More information

Segregated funds or mutual funds

Segregated funds or mutual funds Segregated funds or mutual funds Do you know the differences? Although there are many similarities between these two investment products, there are also some important ways in which they differ. One important

More information

I request a refund in accordance with paragraph 7(b); or

I request a refund in accordance with paragraph 7(b); or CIBC RETIREMENT SAVINGS PLAN AGREEMENT 1. ESTABLISHMENT OF PLAN: Canadian Imperial Bank of Commerce ( CIBC ) agrees to hold on deposit in a CIBC Retirement Savings Plan (the Plan ) contributions received

More information

No securities regulatory authority has expressed an opinion about these securities and it is an offence to claim otherwise.

No securities regulatory authority has expressed an opinion about these securities and it is an offence to claim otherwise. ScotiaFunds Annual Information Form January 21, 2016 Scotia Partners Balanced Income Portfolio Class (Series A and T shares) Scotia Partners Balanced Growth Portfolio Class (Series A and T shares) Scotia

More information

Principal Protected Notes Compliance Review: Findings, Requirements and Recommendations. Rule Notice Guidance Note Dealer Member Rules

Principal Protected Notes Compliance Review: Findings, Requirements and Recommendations. Rule Notice Guidance Note Dealer Member Rules Rule Notice Guidance Note Dealer Member Rules Please distribute internally to: Corporate Finance Credit Institutional Internal Audit Legal and Compliance Operations Research Retail Senior Management Trading

More information

Solut!ons for financial planning

Solut!ons for financial planning Understanding your options this RRSP season 16 Solut!ons for financial planning Consider mutual funds and segregated fund contracts You ve likely heard it before: you should regularly contribute to a Registered

More information

Commission and General Fee Schedule

Commission and General Fee Schedule Commission and General Fee Schedule Effective December 1, 2015 Commission Schedule Orders placed through our electronic systems (website and mobile) Pricing for Active Investors Competitive pricing is

More information

Merrill Lynch Personal Advisor Progra Client Agreement Mutual Fund Investing at Merrill Lynch. A Client Disclosure Pamphlet February 2015

Merrill Lynch Personal Advisor Progra Client Agreement Mutual Fund Investing at Merrill Lynch. A Client Disclosure Pamphlet February 2015 Merrill Lynch Personal Advisor Progra Client Agreement Mutual Fund Investing at Merrill Lynch A Client Disclosure Pamphlet February 2015 Merrill Lynch, Pierce, Fenner & Smith Incorporated One Bryant Park

More information

Amendments to. Companion Policy 31-103CP Registration Requirements, Exemptions and Ongoing Registrant Obligations

Amendments to. Companion Policy 31-103CP Registration Requirements, Exemptions and Ongoing Registrant Obligations Amendments to Companion Policy 31-103CP Registration Requirements, Exemptions and Ongoing Registrant Obligations This document shows the relevant portions of the Companion Policy as amended. The changes

More information

RRSP. Tax Savings on Retirement Funds. Securing your future with mutual funds, RRSPs, pensions and portfolio management services.

RRSP. Tax Savings on Retirement Funds. Securing your future with mutual funds, RRSPs, pensions and portfolio management services. RRSP Tax Savings on Retirement Funds Securing your future with mutual funds, RRSPs, pensions and portfolio management services. Did you know that a Fortress Registered Retirement Savings Plan (RRSP) can

More information

Instructions. What is the deadline for data submissions? Fund managers must submit their data by January 16, 2015.

Instructions. What is the deadline for data submissions? Fund managers must submit their data by January 16, 2015. What is the deadline for data submissions? Fund managers must submit their data by January 16, 2015. Instructions What types of funds should be included in the data request? Fund managers should provide

More information

The Fiera Capital Mutual Funds

The Fiera Capital Mutual Funds The Fiera Capital Mutual Funds Simplified Prospectus FIERA CAPITAL BOND FUND (Classes A Units, B Units, F Units and O Units) FIERA CAPITAL BALANCED FUND (Classes A Units, AV Units, B Units, F Units, FV

More information

GST/HST Technical Information Bulletin

GST/HST Technical Information Bulletin GST/HST Technical Information Bulletin B-105 February 2011 Changes to the Definition of Financial Service NOTE: This GST/HST Technical Information Bulletin replaces the publications listed under Cancelled

More information

Financial Planning Relationship Disclosure

Financial Planning Relationship Disclosure Financial Planning Relationship Disclosure Thank you for choosing TD Wealth Financial Planning as your wealth management provider. At TD Wealth we are committed to helping our clients meet their financial

More information

Merrill Lynch Personal Advisor Progra Client Agreement Mutual Fund Investing at Merrill Lynch. A Client Disclosure Pamphlet May 2016

Merrill Lynch Personal Advisor Progra Client Agreement Mutual Fund Investing at Merrill Lynch. A Client Disclosure Pamphlet May 2016 Merrill Lynch Personal Advisor Progra Client Agreement Mutual Fund Investing at Merrill Lynch A Client Disclosure Pamphlet May 2016 Merrill Lynch, Pierce, Fenner & Smith Incorporated One Bryant Park New

More information

1 Canadian Western Trust. Mutual Fund Processing Procedures

1 Canadian Western Trust. Mutual Fund Processing Procedures 1 Canadian Western Trust 1 2 Canadian Western Trust CONTENTS: 1. Introduction.. 3 2. Opening Accounts... 3 3. Mutual Fund Automation... 3 4. The Intermediary s Role... 4 5. Execution of Various Transactions.

More information

1. Name of Investor S.I.N. (optional/for identification) 2. Name of Investor S.I.N. (optional/for identification)

1. Name of Investor S.I.N. (optional/for identification) 2. Name of Investor S.I.N. (optional/for identification) Logo Here A. Investor/s Information 1. Name of Investor S.I.N. (optional/for identification) 2. Name of Investor S.I.N. (optional/for identification) Address (Single address for all joint account holders

More information

National Bank Income and Growth Managed Portfolio Fund Facts Documents (Retirement Option)

National Bank Income and Growth Managed Portfolio Fund Facts Documents (Retirement Option) National Bank Income and Growth Managed Portfolio Fund Facts Documents (Retirement Option) Here are the Fund Facts Documents for the investments you made in your National Bank Managed Portfolio, which

More information

HSBC Mutual Funds Annual Information Form

HSBC Mutual Funds Annual Information Form HSBC Mutual Funds Annual Information Form June 8, 2015 HSBC Global Corporate Bond Fund HSBC Global Equity Volatility Focused Fund Investor Series, Advisor Series, Premium Series, Manager Series and Institutional

More information

Series of Shares B, B-6, E, F, F-6, O B, E, F, O O A, B

Series of Shares B, B-6, E, F, F-6, O B, E, F, O O A, B No securities regulatory authority has expressed an opinion about these securities and it is an offence to claim otherwise. The Funds and their securities offered under this Annual Information Form are

More information

Transfer Authorization for Registered Investments

Transfer Authorization for Registered Investments 2033IE 2013/08 Page 1 of 5 *indicates mandatory fields This form must be used for Registered Investments (RRSP, LIRA, LRSP, RRIF, LRIF, LIF, PRIF, Restricted LSP, Restricted LIF and TFSA) Handling Instructions

More information

Mutual Fund Investing and 529 College Savings Plans. A Client Disclosure Pamphlet

Mutual Fund Investing and 529 College Savings Plans. A Client Disclosure Pamphlet May 2015 Mutual Fund Investing and 529 College Savings Plans A Client Disclosure Pamphlet Advisory Services Offered Through MIAI, Inc. Securities Offered Through Maplewood Investment Advisors, Inc., Member

More information

Information folder October 2015 CANADA LIFE GENERATIONS TM. The Canada Life Assurance Company

Information folder October 2015 CANADA LIFE GENERATIONS TM. The Canada Life Assurance Company Information folder October 2015 The Canada Life Assurance Company is the sole issuer of the individual variable annuity policy described in this information folder. This document is not an insurance contract.

More information

SIMPLIFIED PROSPECTUS DECEMBER 6, 2013. IG Putnam Low Volatility U.S. Equity Fund

SIMPLIFIED PROSPECTUS DECEMBER 6, 2013. IG Putnam Low Volatility U.S. Equity Fund SIMPLIFIED PROSPECTUS DECEMBER 6, 2013 IG Putnam Low Volatility U.S. Equity Fund 1 Simplified Prospectus Offering Series A, B, C, Jdsc, Jnl and U Mutual Fund Units 1 of IG Putnam Low Volatility U.S. Equity

More information

COMMON SENSE FUNDS INFORMATION FOLDER

COMMON SENSE FUNDS INFORMATION FOLDER COMMON SENSE FUNDS INFORMATION FOLDER This is not an insurance contract Asset Builder Funds II* VII Cash Management Fund Strategic Retirement Income Fund Offered by: Primerica Life Insurance Company of

More information

DAVIS-REA MUTUAL FUNDS

DAVIS-REA MUTUAL FUNDS DAVIS-REA MUTUAL FUNDS SIMPLIFIED PROSPECTUS DATED August 28, 2015 Davis-Rea Balanced Fund Davis-Rea Equity Fund Davis-Rea Fixed Income Fund Class A, Class B, Class F and Class O Units No securities regulatory

More information

Everything you need to know about Tax-Free Savings Accounts (TFSAs)

Everything you need to know about Tax-Free Savings Accounts (TFSAs) Tax, Retirement & Estate Planning Services TAX-FREE SAVINGS ACCOUNT THE FACTS Everything you need to know about Tax-Free Savings Accounts (TFSAs) Until 2009, many Canadians held their savings in Registered

More information

Investment Planning Counsel

Investment Planning Counsel Investment Planning Counsel Client Information Booklet Relationship Disclosure & Other Information Please review and retain this booklet. Introduction Thank you for choosing to be a client of IPC Investment

More information

Introducing the potential for equity powered return with principal protection

Introducing the potential for equity powered return with principal protection This series is available Introducing the potential for equity powered return with principal protection Enjoy full principal protection Invest for growth or income Consider this investment if: You want

More information

>Most investors spend the majority of their time thinking and planning

>Most investors spend the majority of their time thinking and planning Generating Retirement Income using a Systematic Withdrawal Plan SPECIAL REPORT >Most investors spend the majority of their time thinking and planning around how best to save for retirement. But once you

More information

MANULIFE MUTUAL FUNDS

MANULIFE MUTUAL FUNDS MANULIFE MUTUAL FUNDS AMENDMENT NO. 2 dated March 16, 2012 to the Simplified Prospectus dated August 19, 2011, as amended by Amendment No. 1 dated March 5, 2012 (the Prospectus ): OFFERING ADVISOR SERIES,

More information

TAX ASPECTS OF MUTUAL FUND INVESTING

TAX ASPECTS OF MUTUAL FUND INVESTING Tax Guide for 2015 TAX ASPECTS OF MUTUAL FUND INVESTING INTRODUCTION I. Mutual Fund Distributions A. Distributions From All Mutual Funds 1. Net Investment Income and Short-Term Capital Gain Distributions

More information

CIBC MUTUAL FUNDS AND CIBC FAMILY OF MANAGED PORTFOLIOS ANNUAL INFORMATION FORM

CIBC MUTUAL FUNDS AND CIBC FAMILY OF MANAGED PORTFOLIOS ANNUAL INFORMATION FORM CIBC MUTUAL FUNDS AND CIBC FAMILY OF MANAGED PORTFOLIOS ANNUAL INFORMATION FORM CIBC Mutual Funds CIBC Savings Funds CIBC Canadian T-Bill Fund CIBC Premium Canadian T-Bill Fund CIBC Money Market Fund (Class

More information

Information Folder and Annuity Policy Client Document Package M.V.P. - RIF. insured by Sun Life Assurance Company of Canada

Information Folder and Annuity Policy Client Document Package M.V.P. - RIF. insured by Sun Life Assurance Company of Canada Information Folder and Annuity Policy Client Document Package Sun Life Assurance Company of Canada M.V.P. - RIF managed by CI Investments Inc. insured by Sun Life Assurance Company of Canada Important

More information

Investment Account Application

Investment Account Application Social Housing Investment Funds Investment Account Application Before you send us your investment account application, please ensure you have: Attached a completed Resolution of Directors form (Section

More information

pensions backgrounder #4

pensions backgrounder #4 pensions backgrounder #4 Private Retirement Savings Part 4 in a Series The full series of pension backgrounders are contained in the National Union s Pensions Manual, Fourth Edition available from the

More information

1.1 How can I plan for my retirement income?... 1. 1.2 Your retirement income needs... 1. 1.3 Converting your RSP... 1

1.1 How can I plan for my retirement income?... 1. 1.2 Your retirement income needs... 1. 1.3 Converting your RSP... 1 R e t i r e m e n t I n c o m e F u n d s I n f o r m a t i o n B o o k l e t. This booklet is intended to address questions commonly asked about Retirement Income Funds (RIFs). The booklet is not intended

More information

NBI Private Wealth Management Income & Growth Profile (USD) Fund Facts Documents

NBI Private Wealth Management Income & Growth Profile (USD) Fund Facts Documents NBI Private Wealth Management Income & Growth Profile (USD) Fund Facts Documents Here are the Fund Facts Documents for the investments you made in NBI Private Wealth Management, which will be allocated

More information

SPROTT SILVER BULLION FUND

SPROTT SILVER BULLION FUND SIMPLIFIED PROSPECTUS Offering Series A, Series F and Series I Units of SPROTT SILVER BULLION FUND May 27, 2016 No securities regulatory authority has expressed an opinion about these units and it is an

More information

ALTAGAS LTD. Dividend Reinvestment and Optional Common Share Purchase Plan of AltaGas Ltd. for Holders of Common Shares

ALTAGAS LTD. Dividend Reinvestment and Optional Common Share Purchase Plan of AltaGas Ltd. for Holders of Common Shares ALTAGAS LTD. Dividend Reinvestment and Optional Common Share Purchase Plan of AltaGas Ltd. for Holders of Common Shares Introduction This Dividend Reinvestment and Optional Common Share Purchase Plan of

More information

BBIF Government Securities Fund BBIF Tax-Exempt Fund. Shareholders should retain this Supplement for future reference.

BBIF Government Securities Fund BBIF Tax-Exempt Fund. Shareholders should retain this Supplement for future reference. BBIF Government Securities Fund BBIF Tax-Exempt Fund Supplement dated April 22, 2016 to the Prospectus, Summary Prospectuses and Statement of Additional Information of the Funds, dated January 4, 2016

More information

http://www.tdcanadatrust.com/gics/guide.jsp

http://www.tdcanadatrust.com/gics/guide.jsp Page 1 of 5 Skip to content Apply Search Contact Us Login to: EasyWeb My Accounts Customer Service Banking Investing Insurance Small Business Products & Services Markets & Research Planning TD Canada Trust

More information

INCOME TAX AND CAPITAL GAINS INFORMATION

INCOME TAX AND CAPITAL GAINS INFORMATION AGF & ACUITY MUTUAL FUNDS 2014 INCOME TAX AND CAPITAL GAINS INFORMATION This booklet covers income tax reporting information relating to your AGF investments and capital gains. As always, we recommend

More information

RBC Money Market Funds Prospectus

RBC Money Market Funds Prospectus RBC Money Market Funds Prospectus November 25, 2015 Prime Money Market Fund RBC Institutional Class 1: RBC Institutional Class 2: RBC Select Class: RBC Reserve Class: RBC Investor Class: TPNXX TKIXX TKSXX

More information

Information Folder for the Investors Group Guaranteed Investment Funds

Information Folder for the Investors Group Guaranteed Investment Funds Information Folder for the Investors Group Guaranteed Investment Funds Individual Variable Annuity Policy June 2015 Issued by The guaranteed investment funds described in this Information Folder invest

More information

263120\1242880.v11 DIVIDEND REINVESTMENT AND OPTIONAL SHARE PURCHASE PLAN

263120\1242880.v11 DIVIDEND REINVESTMENT AND OPTIONAL SHARE PURCHASE PLAN DIVIDEND REINVESTMENT AND OPTIONAL SHARE PURCHASE PLAN DIVIDEND REINVESTMENT AND OPTIONAL SHARE PURCHASE PLAN PURPOSE The Dividend Reinvestment and Optional Share Purchase Plan (the "Plan") provides eligible

More information

Simplified Prospectus. July 23, 2015

Simplified Prospectus. July 23, 2015 Simplified Prospectus July 23, 2015 Marquest Money Market Fund Marquest Short Term Income Fund (Corporate Class*) Marquest Canadian Bond Fund Marquest Canadian Fixed Income Fund Marquest Monthly Pay Fund

More information

Redemption Fee. Policy Guide REDEMPTION FEE POLICY. Implementation Guide Contents. May 2015

Redemption Fee. Policy Guide REDEMPTION FEE POLICY. Implementation Guide Contents. May 2015 Redemption Fee Policy Guide May 2015 Frequent purchases, redemptions and exchanges may disrupt portfolio management strategies and harm fund performance by diluting the value of fund shares and increasing

More information

January 18,2011. S7-37-10--Comments to Proposed Rule 202(a)(30)-1 ofthe Investment Advisers Act of 1940

January 18,2011. S7-37-10--Comments to Proposed Rule 202(a)(30)-1 ofthe Investment Advisers Act of 1940 D. Grant Vingoe Grant.Vingoe@aporter.com 212.715.1130 212.715.1399 Fax 399 Park Avenue New York. NY 10022-4690 VIA ELECTRONIC MAIL Secretary Securities and Exchange Commission 100 F Street, NE Washington,

More information

PROSPECTUS. First Asset Canadian REIT ETF 1 (the First Asset ETF )

PROSPECTUS. First Asset Canadian REIT ETF 1 (the First Asset ETF ) No securities regulatory authority has expressed an opinion about these securities and it is an offence to claim otherwise. This prospectus constitutes a public offering of these securities only in those

More information

The Mechanics of Corporate Class

The Mechanics of Corporate Class The Mechanics of Corporate Class How Corporate Class works Whether your clients have investments in their corporate accounts, non-registered investments or both, the tax efficiency of their investments

More information

In the absence of a share payment option, the shareholder will automatically receive their dividend in cash.

In the absence of a share payment option, the shareholder will automatically receive their dividend in cash. QUESTIONS AND ANSWERS PAYMENT OF THE 2014 FINAL DIVIDEND OPTION FOR PAYMENT IN TOTAL SHARES 1. WHAT IS A DIVIDEND PAYMENT IN SHARES? The dividend can be paid in two forms: the most common is a cash payment,

More information

Summary Prospectus September 28, 2015 PNC S&P 500 Index Fund Class A PIIAX Class C PPICX Class I PSXIX Class R4 PSPEX Class R5 PSFFX

Summary Prospectus September 28, 2015 PNC S&P 500 Index Fund Class A PIIAX Class C PPICX Class I PSXIX Class R4 PSPEX Class R5 PSFFX Summary Prospectus September 28, 2015 PNC S&P 500 Index Fund Class A PIIAX Class C PPICX Class I PSXIX Class R4 PSPEX Class R5 PSFFX Before you invest, you may want to review the Fund s Prospectus, which

More information

INSTITUTIONAL FUND CLASS I SHARES NEW ACCOUNT APPLICATION

INSTITUTIONAL FUND CLASS I SHARES NEW ACCOUNT APPLICATION INSTITUTIONAL FUND CLASS I SHARES NEW ACCOUNT APPLICATION (Please Print in Black Ink) For assistance in completing this application, please call your financial advisor or a Virtus Mutual Fund Services

More information

Insider Trading Rules Section 16

Insider Trading Rules Section 16 COMPENSATION COMMITTEE HANDBOOK Insider Trading Rules Section 16 The Basics What is the rule? Section 16 imposes restrictions on when and how a corporate insider may buy and sell shares of company stock.

More information

Your investment options

Your investment options Your options Contents Introducing RBC Global Asset Management i Serving Clients with a Winning Strategy i Investing Starts with Understanding Your Goals ii Guaranteed Investment Certificates 1 Group Savings

More information

Choosing tax-efficient investments

Choosing tax-efficient investments Choosing tax-efficient investments Managing your portfolio to help control your tax bill Investors need to consider many factors in the process of choosing investments. One at the top of many investors

More information

A Guide To DEFINED FOCUSED DISCIPLINED

A Guide To DEFINED FOCUSED DISCIPLINED A Guide To F I R S T T R U S T U N I T I N V E S T M E N T T R U S T S DEFINED FOCUSED DISCIPLINED W H A T I S A U N I T I N V E S T M E N T T R U S T? U I T F E A T U R E S A unit investment trust or

More information

INFORMATION FOLDER October 2015

INFORMATION FOLDER October 2015 GREAT-WEST LIFE SEGREGATED FUND POLICIES PREFERRED SERIES 2 INFORMATION FOLDER October 2015 The Great-West Life Assurance Company is the sole issuer of the individual variable annuity policy described

More information

AUDITOR S REPORT. To the Members of the Legislative Assembly Province of Saskatchewan

AUDITOR S REPORT. To the Members of the Legislative Assembly Province of Saskatchewan AUDITOR S REPORT To the Members of the Legislative Assembly Province of Saskatchewan We have audited the statement of financial position of the Education Infrastructure Financing Corporation as at March

More information

TD Direct Investing Relationship Disclosure

TD Direct Investing Relationship Disclosure TD Direct Investing Relationship Disclosure Welcome to TD Direct Investing. We are committed to providing you with exceptional service, support and a comfortable investing experience to meet your unique

More information

SIMPLIFIED PROSPECTUS JULY 6, 2015

SIMPLIFIED PROSPECTUS JULY 6, 2015 SIMPLIFIED PROSPECTUS JULY 6, 2015 Investors Low Volatility Canadian Equity Fund Investors Low Volatility Global Equity Fund Maestro Income Balanced Portfolio Maestro Balanced Portfolio Maestro Growth

More information

IN THE MATTER OF A DISCIPLINARY HEARING PURSUANT TO SECTIONS 20 AND 24 OF BY-LAW NO. 1 OF THE MUTUAL FUND DEALERS ASSOCIATION OF CANADA

IN THE MATTER OF A DISCIPLINARY HEARING PURSUANT TO SECTIONS 20 AND 24 OF BY-LAW NO. 1 OF THE MUTUAL FUND DEALERS ASSOCIATION OF CANADA Notice of Hearing File No. 201259 IN THE MATTER OF A DISCIPLINARY HEARING PURSUANT TO SECTIONS 20 AND 24 OF BY-LAW NO. 1 OF THE MUTUAL FUND DEALERS ASSOCIATION OF CANADA Re: Ricardo John Cavalli NOTICE

More information

Is a Cash Back Mortgage right for you?

Is a Cash Back Mortgage right for you? Is a Cash Back Mortgage right for you? Conditions and Disclosure Details ERCU CASH BACK MORTGAGE OVERVIEW Eagle River Credit Union offers cash back ranging from 1% to 5% of the total mortgage loan amount

More information

Introducing the Schwab Personal Choice Retirement Account (PCRA)

Introducing the Schwab Personal Choice Retirement Account (PCRA) PCRA HANDBOOK The Schwab Personal Choice Retirement Account (PCRA) is offered to Deferred Compensation Plan participants to provide investment opportunities in addition to the current core investment options.

More information

HUME EUROPEAN OPPORTUNITIES FUND. SUPPLEMENT TO THE PROSPECTUS FOR EUROPEAN WEALTH INVESTMENT FUND plc

HUME EUROPEAN OPPORTUNITIES FUND. SUPPLEMENT TO THE PROSPECTUS FOR EUROPEAN WEALTH INVESTMENT FUND plc HUME EUROPEAN OPPORTUNITIES FUND SUPPLEMENT TO THE PROSPECTUS FOR EUROPEAN WEALTH INVESTMENT FUND plc This document supplements the current prospectus for European Wealth Investment Fund plc (the Company)

More information

Commission and Fees Schedule

Commission and Fees Schedule Commission and Fees Schedule Effective January 1, 2013 As a client of CIBC Investor s Edge, you have agreed to pay certain charges based on the types of investments you buy, sell and hold in your account.

More information

IA Clarington Investments Inc. Simplified Prospectus. June 15, 2015. Offering Series A and Series F Units of: IA Clarington Target Click Funds

IA Clarington Investments Inc. Simplified Prospectus. June 15, 2015. Offering Series A and Series F Units of: IA Clarington Target Click Funds IA Clarington Investments Inc. Simplified Prospectus June 15, 2015 Offering Series A and Series F Units of: IA Clarington Target Click Funds IA Clarington Target Click 2015 Fund IA Clarington Target Click

More information

Annual Information Form dated December 19, 2014

Annual Information Form dated December 19, 2014 Annual Information Form dated December 19, 2014 RESPECTING MUTUAL FUND SHARES OF MARQUEST MUTUAL FUNDS INC. - Explorer Series Fund (Series A/Rollover, Series A/Regular, Series F and Series I) MARQUEST

More information

Information folder. Including preferred series 1. June 2015. This document is not an insurance contract.

Information folder. Including preferred series 1. June 2015. This document is not an insurance contract. CANADA LIFE SEGREGATED FUNDS Information folder Including preferred series 1 June 2015 The Canada Life Assurance Company is the sole issuer of the individual variable annuity policy described in this information

More information

MUTUAL FUND DEALERS ASSOCIATION OF CANADA PROPOSED AMENDMENTS TO MFDA RULE 3.3.2 (SEGREGATION OF CLIENT PROPERTY CASH)

MUTUAL FUND DEALERS ASSOCIATION OF CANADA PROPOSED AMENDMENTS TO MFDA RULE 3.3.2 (SEGREGATION OF CLIENT PROPERTY CASH) MUTUAL FUND DEALERS ASSOCIATION OF CANADA PROPOSED AMENDMENTS TO MFDA RULE 3.3.2 (SEGREGATION OF CLIENT PROPERTY CASH) I. OVERVIEW A. Current Rule MFDA Rule 3.3.2(e) prohibits Members from commingling

More information

DISCOUNTS, COUPONS AND CASH REBATES

DISCOUNTS, COUPONS AND CASH REBATES BULLETIN NO. 028 Issued May 2000 Revised July 2013 THE RETAIL SALES TAX ACT DISCOUNTS, COUPONS AND CASH REBATES This bulletin outlines the retail sales tax application on sales where discounts, and cash

More information

TD Direct Investing Commission Schedule and Statement of Disclosure of Rates and Fees

TD Direct Investing Commission Schedule and Statement of Disclosure of Rates and Fees TD Direct Investing Commission Schedule and Statement of Disclosure of Rates and Fees Effective April 1, 2016 Contents Commission Schedule Electronic Brokerage Services Commission Rates...1 Telephone Brokerage

More information

How Can You Reduce Your Taxes?

How Can You Reduce Your Taxes? RON GRAHAM AND ASSOCIATES LTD. 10585 111 Street NW, Edmonton, Alberta, T5M 0L7 Telephone (780) 429-6775 Facsimile (780) 424-0004 Email rgraham@rgafinancial.com How Can You Reduce Your Taxes? Tax Brackets.

More information

ACORN DISCIPLINED CORE FUND

ACORN DISCIPLINED CORE FUND Continuous Offering November 1, 2012 ACORN DISCIPLINED CORE FUND Series C and Series I Units Offering Memorandum This Offering Memorandum constitutes an offering of the securities described herein only

More information

FORTRESS Funds. Information Folder. This Information Folder is not an insurance contract nor is it a document evidencing a contract.

FORTRESS Funds. Information Folder. This Information Folder is not an insurance contract nor is it a document evidencing a contract. FORTRESS Funds Information Folder This Information Folder is not an insurance contract nor is it a document evidencing a contract. Amendment to FORTRESS Information Folders 2691A 11 2012 and 2693A 11 2012

More information

Edward Jones Money Market Fund

Edward Jones Money Market Fund Edward Jones Money Market Fund S U M M A R Y P R O S P E C T U S April 30, 2015 INVESTMENT SHARES (TICKER JNSXX) RETIREMENT SHARES (TICKER JRSXX) Before you invest, you may want to review the Fund s Prospectus,

More information

Wells Fargo Bank, N.A. Collective Investment Funds. annual report

Wells Fargo Bank, N.A. Collective Investment Funds. annual report Wells Fargo Bank, N.A. Collective Investment Funds 2014 annual report Table of Contents Page Independent Auditors Report 1 Financial Statements: Statement of Operations 3 Statement of Changes in Net Assets

More information

Pension Options. In Alberta, the money that is held for you in a pension plan must be used to provide you with a lifetime income when you retire.

Pension Options. In Alberta, the money that is held for you in a pension plan must be used to provide you with a lifetime income when you retire. RON GRAHAM AND ASSOCIATES 100, 10585-111 Street,Edmonton, Alberta T5H 3E8 Telephone (780) 429-6775 Facsimile (780) 424-0004 rgraham@rgafinancial.com Pension Options In Alberta, the money that is held for

More information

Tradex Management Inc. Client Relationship Disclosure Document

Tradex Management Inc. Client Relationship Disclosure Document 04/15/2014 Tradex Management Inc. Client Relationship Disclosure Document 1. Introduction This document provides clients with an overview of the nature of the relationship they are entering into when they

More information

AMENDMENT NO. 1 dated October 26, 2015

AMENDMENT NO. 1 dated October 26, 2015 AMENDMENT NO. 1 dated October 26, 2015 To the SIMPLIFIED PROSPECTUS dated June 29, 2015 in respect of EXEMPLAR GROWTH AND INCOME FUND (Series A, AN, F, FN, I, L and LN units) EXEMPLAR YIELD FUND (Series

More information

Allianz Family of Funds

Allianz Family of Funds 00107880 Allianz Family of Funds 2013 Mutual Fund Tax Guide Allianz Family of Funds 2013 Mutual Fund Tax Guide Dear Shareholder: Dear Shareholder: This guide contains general tax information regarding

More information

SIMPLIFIED PROSPECTUS NOVEMBER 12, 2015

SIMPLIFIED PROSPECTUS NOVEMBER 12, 2015 SIMPLIFIED PROSPECTUS NOVEMBER 12, 2015 Offering Series A, Series A1, Series F, Series I, Series P, Series PF, Series Q and Series QF Shares SPROTT FOCUSED GLOBAL BALANCED CLASS* SPROTT FOCUSED GLOBAL

More information

7. (a) Place and Method of Offering / (b) Offer price of the Bonds:

7. (a) Place and Method of Offering / (b) Offer price of the Bonds: FOR RELEASE: September 2, 2004 Notice Concerning Issuance of Euro Yen Convertible Bonds due 2011 (convertible bonds type - bonds with stock acquisition rights, tenkanshasaigata shinkabu yoyakuken-tsuki

More information