your future your opportunity your success - wfg … mutual fund kyc.pdfyour future your opportunity...

NEW ACCOUNT APPLICATION FORM(NAAF/KYC)

your future your opportunity

your success

SECURITIES INC.

79852 WFG Securities Form.indd 1 2015-03-30 9:18 AM84686 New WFGS_KYC.indd 1 2015-06-18 10:42 AM

CLIENT COMPLAINT INFORMATION FORM

Clients of a mutual fund dealer who are not satisfied with a financial product or service have a right to make a complaint and to seek resolution of the problem. MFDA Member dealers have a responsibility to their clients to ensure that all complaints are dealt with fairly and promptly. If you have a complaint, these are some of the steps you can take:

Contact your mutual fund dealer. Member firms are responsible to you, the investor, for monitoring the actionsof their representatives to ensure that they are in compliance with by-laws, rules and policies governing theiractivities. The firm will investigate any complaint that you initiate and respond back to you with the results oftheir investigation within the time period expected of a Member acting diligently in the circumstances, in mostcases within three months of receipt of the complaint. It is helpful if your complaint is in writing.

Contact the Mutual Fund Dealers Association of Canada (“MFDA”), which is the self-regulatory organizationin Canada to which your mutual fund dealer belongs. The MFDA investigates complaints about mutualfund dealers and their representatives, and takes enforcement action where appropriate. You may make acomplaint to the MFDA at any time, whether or not you have complained to your mutual fund dealer. TheMFDA can be contacted:

By completing the on-line complaint form at www.mfda.ca

By telephone in Toronto at (416) 361-6332, or toll free at 1-888-466-6332

By e-mail at [email protected]

In writing by mail to 121 King Street West, Suite 1000, Toronto, ON M5H 3T9 or by fax at (416) 361-9073

COMPENSATION:

The MFDA does not order compensation or restitution to clients of Members. The MFDA exists to regulate the operations, standards of practice and business conduct of its Members and their representatives with a mandate to enhance investor protection and strengthen public confidence in the Canadian mutual fund industry. If you are seeking compensation, you may consider the following:

Ombudsman for Banking Services and Investments (“OBSI”): After the dealer’s Compliance Department hasresponded to your complaint, you may contact OBSI. You may also contact OBSI if the dealer’s ComplianceDepartment has not responded within 90 days of the date you complained. OBSI provides an independent andimpartial process for the investigation and resolution of complaints about the provision of financial services toclients. OBSI can make a non-binding recommendation that your firm compensate you (up to $350,000) if itdetermines that you have been treated unfairly, taking into account the criteria of good financial services and

MUTUAL FUND DEALERS ASSOCIATION OF CANADA

1You may wish to consider issues of internet security when sending sensitive information by standard e-mail.

Version WFGS KYC 06/15

79852 WFG Securities Form.indd 2 2015-03-20 1:15 PM

business practice, relevant codes of practice or conduct, industry regulation and the law. The OBSI process is free of charge and is confidential. OBSI can be contacted:



Legal Assistance: You may consider retaining a lawyer to assist with the complaint. You should be aware thatthere are legal time limits for taking civil action. A lawyer can advise you of your options and recourses. Once theapplicable limitation period expires, you may lose rights to pursue some claims.

Manitoba, New Brunswick and Saskatchewan: Securities regulatory authorities in these provinces have thepower to, in appropriate cases, order that a person or company that has contravened securities laws in theirprovince pay compensation to a claimant. The claimant is then able to enforce such an order as if it were ajudgment of the superior court in that province. For more information, please visit:

Manitoba: www.msc.gov.mb.ca

New Brunswick: www.nbsc-cvmnb.ca

Saskatchewan: www.sfsc.gov.sk.ca

Québec: The Autorité des marchés financiers (“AMF”) pays indemnities to victims of fraud, fraudulent tacticsor embezzlement where those responsible are individuals or firms authorized to practice under the legislationgoverning the provision of financial services in Quebec. It also rules on the eligibility of claims and sets the amountof the indemnities to be paid to victims. Consumers can thus be compensated to a maximum of $200,000 perclaim, through funds accumulated in a financial services compensation fund. For more information, please visitwww.lautorite.qc.ca.

WFG SECURITIES INC., COMPLAINT HANDLING PROCEDURES

WFG Securities Inc. has procedures in place to handle any written or verbal complaints received from clients in a fair and prompt manner. This is a summary of those procedures, which we provide to new clients or clients who have filed a complaint.

We also provide clients who complain with separate information or a separate document called the Client Complaint Information Form (CCIF) that provides general information about their options for making a complaint.

How to File a Complaint with WFG Securities Inc.Clients wishing to complain to WFG Securities Inc., may make their complaint to our head office by contacting our Compliance Department or to any Branch Manager and/or WFGS Representative. All complaints are forwarded to a qualified compliance officer for handling. We encourage clients to make their complaint in writing or by email where possible. Where clients have difficulty putting their complaint in writing, they should advise us so that we can provide assistance. For confidentiality reasons, we will only deal with the client or another individual who has the client’s express written authorization to deal with us.


79852 WFG Securities Form.indd 3 2015-03-20 1:15 PM84686 New WFGS_KYC.indd 2 2015-06-18 10:42 AM

CLIENT COMPLAINT INFORMATION FORM

Clients of a mutual fund dealer who are not satisfied with a financial product or service have a right to make a complaint and to seek resolution of the problem. MFDA Member dealers have a responsibility to their clients to ensure that all complaints are dealt with fairly and promptly. If you have a complaint, these are some of the steps you can take:

Contact your mutual fund dealer. Member firms are responsible to you, the investor, for monitoring the actionsof their representatives to ensure that they are in compliance with by-laws, rules and policies governing theiractivities. The firm will investigate any complaint that you initiate and respond back to you with the results oftheir investigation within the time period expected of a Member acting diligently in the circumstances, in mostcases within three months of receipt of the complaint. It is helpful if your complaint is in writing.

Contact the Mutual Fund Dealers Association of Canada (“MFDA”), which is the self-regulatory organizationin Canada to which your mutual fund dealer belongs. The MFDA investigates complaints about mutualfund dealers and their representatives, and takes enforcement action where appropriate. You may make acomplaint to the MFDA at any time, whether or not you have complained to your mutual fund dealer. TheMFDA can be contacted:

By completing the on-line complaint form at www.mfda.ca



In writing by mail to 121 King Street West, Suite 1000, Toronto, ON M5H 3T9 or by fax at (416) 361-9073

COMPENSATION:

The MFDA does not order compensation or restitution to clients of Members.The MFDA exists to regulate the operations,standards of practice and business conduct of its Members and their representatives with a mandate to enhance investor protection and strengthen public confidence in the Canadian mutual fund industry. If you are seeking compensation, you may consider the following:

Ombudsman for Banking Services and Investments (“OBSI”): After the dealer’s Compliance Department hasresponded to your complaint, you may contact OBSI. You may also contact OBSI if the dealer’s ComplianceDepartment has not responded within 90 days of the date you complained. OBSI provides an independent andimpartial process for the investigation and resolution of complaints about the provision of financial services toclients. OBSI can make a non-binding recommendation that your firm compensate you (up to $350,000) if itdetermines that you have been treated unfairly, taking into account the criteria of good financial services and

MUTUAL FUND DEALERS ASSOCIATION OF CANADA

1You may wish to consider issues of internet security when sending sensitive information by standard e-mail.



business practice, relevant codes of practice or conduct, industry regulation and the law. The OBSI process is free of charge and is confidential. OBSI can be contacted:



Legal Assistance: You may consider retaining a lawyer to assist with the complaint. You should be aware thatthere are legal time limits for taking civil action. A lawyer can advise you of your options and recourses. Once theapplicable limitation period expires, you may lose rights to pursue some claims.

Manitoba, New Brunswick and Saskatchewan: Securities regulatory authorities in these provinces have thepower to, in appropriate cases, order that a person or company that has contravened securities laws in theirprovince pay compensation to a claimant. The claimant is then able to enforce such an order as if it were ajudgment of the superior court in that province. For more information, please visit:

Manitoba: www.msc.gov.mb.ca

New Brunswick: www.nbsc-cvmnb.ca

Saskatchewan: www.sfsc.gov.sk.ca

Québec: The Autorité des marchés financiers (“AMF”) pays indemnities to victims of fraud, fraudulent tacticsor embezzlement where those responsible are individuals or firms authorized to practice under the legislationgoverning the provision of financial services in Quebec. It also rules on the eligibility of claims and sets the amountof the indemnities to be paid to victims. Consumers can thus be compensated to a maximum of $200,000 perclaim, through funds accumulated in a financial services compensation fund. For more information, please visitwww.lautorite.qc.ca.

WFG SECURITIES INC., COMPLAINT HANDLING PROCEDURES

WFG Securities Inc. has procedures in place to handle any written or verbal complaints received from clients in a fair and prompt manner. This is a summary of those procedures, which we provide to new clients or clients who have filed a complaint.

We also provide clients who complain with separate information or a separate document called the Client Complaint Information Form (CCIF) that provides general information about their options for making a complaint.

How to File a Complaint with WFG Securities Inc.Clients wishing to complain to WFG Securities Inc., may make their complaint to our head office by contacting our Compliance Department or to any Branch Manager and/or WFGS Representative. All complaints are forwarded to a qualified compliance officer for handling. We encourage clients to make their complaint in writing or by email where possible. Where clients have difficulty putting their complaint in writing, they should advise us so that we can provide assistance. For confidentiality reasons, we will only deal with the client or another individual who has the client’s express written authorization to deal with us.



Complaint Handling Procedures We will acknowledge receipt of complaints promptly, generally within five business days. We review all complaints fairly, taking into account all relevant documents and statements obtained from the client, our records, our WFGS representative, other staff members and any other relevant source. Once our review is complete, we provide clients with our response which will be in writing. Our response may be an offer to resolve your complaint, a denial of the complaint with reasons or another appropriate response. Where the complaint relates to certain serious allegations, our initial acknowledgement will include copies of this summary and the CCIF. Our response will summarize your complaint, our findings and will contain a reminder about your options with the Ombudsman for Banking Services and Investments (OBSI).

We will generally provide our response within ninety days, unless we are waiting for additional information from you, or the case is novel or very complicated.

We will respond to communications you send us after the date of our response to the extent necessary to implement a resolution or to address any new issues or information you provide.

Settlements If we offer you a financial settlement, we may ask you to sign a release and waiver for legal reasons.

Contacting WFGS Clients may contact us at any time to provide further information or to inquire as to the status of their complaint, by contacting the individual handling their complaint or by contacting our Compliance Department.

Compliance Department WFG Securities Inc.5000 Yonge Street, Suite 800Toronto, ON M2N 7E9 Ph: 416-225-2121 Fax: 416-225-2113

Version WFGS KYC 0 /15


DEALER COMPENSATION DISCLOSURE STATEMENTWFG Securities Inc. (WFGS) is an independent mutual fund dealer authorized to solicit and place purchase orders for mutual fund securities sponsored by many different fund organizations. In performing our services on your behalf, we may be eligible to receive compensation from one or more sources. Your sales representative can give you a complete explanation of the compensation he or she will receive if you buy securities of a particular mutual fund.

RESPONSIBILITYI/We will not hold WFG Securities Inc. liable for any loss or any failureto obtain any profit which is caused directly or indirectly by governmentrestrictions, exchange or market rulings, suspension of tradingunavailability of any electronic service to allow for maintenance, updatesor other reasonable cause, wars, strikes or other conditions beyond itscontrol, or any errors or omissions in connection with or in the handling oforders relating to the purchase, sale, execution or expiration of any tradesor any related matter, unless WFGS was grossly negligent.

DUAL LICENSE DISCLOSURE STATEMENT

I/we acknowledge that WFGS mutual fund representatives may also be licensed asinsurance agents that conduct insurance business through World Financial Group Insurance Agency of Canada Inc. (“WFGIA”). In addition, your representative may conduct other business activities that are classified as being an outside business activity (“OBA”). Your representative will provide a separate disclosure to you in regards to these activities that are outside of WFGS and/or WFGIA.

YOUR PERSONAL INFORMATIONWFG Securities Inc. (“WFGS”, “we”, or “us”) are committed to protecting the privacy of all client personal information that is being collected, used and disclosed in the course of carrying out business with you. Upon receipt of this application, WFGS will establish a file in which will be placed personal information about you concerning (a) this application, (b) any other form,application, authorization, trade ticket or other document you complete in relation to this application or to your investment account with us, and (c) other documents or information relating to the servicing and administration of this application or your investment account with us. We collect personal information about you from this application and any supplementary forms,and from our advisors and representative. We collect and use your personal information for the purposes of assessing and implementing your investment objectives and instructions, providing you with investment advice, servicing and administering this application and your investment account with us, and for such other purposes as are outlined in this application. Your information may be disclosed to your dealer representative for the purposes identified above. WFGS have contracted with FundEx Investment Inc. to provide for the back office processing of client transactions. Your Social Insurance Number will be used for income reporting purposes. Your banking information will be disclosed to the financial institution(s) processing your investment deposits and withdrawals. You represent and warrant that you are authorized to provide the personal information of a referring third party as requested in this application.

From time to time WFGS may use your personal information to determine which other financial or insurance products and services may meet your needs and to offer them to you. Your consent for this use of your personal information is optional. If you do not wish your personal information to be used for this optional purpose, please make the appropriate selection on the front of this form.

Employees or authorized representatives of WFGS who will be responsible for functions relevant to the purposes identified above, and other persons authorized by you or by law, will have access to the personal information contained in your file. Subject to exceptions set out in applicable legislation,you may access your file and request corrections to your personal information by sending a written request to WFGS, Attn: Privacy Officer, 5000 Yonge Street, Suite 800, Toronto, ON M2N 7E9. By completing and signing this application, you acknowledge and agree that you have providedpersonal and financial information that is true and accurate andyou consent to the collection, use and disclosure of your personalinformation as described herein or at the time of collection, and asrequired or permitted by law.

NATURE OF THE ADVISORY RELATIONSHIPThe client is responsible for making investment decisions but can rely on the advice given by their representative, the representative is responsible for the advice and ensuring that it is suitable based on the client’s investment needs and objectives.

PROCEDURES REGARDING HANDLING OF CASH AND CHEQUESWFGS does not accept cash from clients for the purchase of mutual fund products or services. All client purchases should be by cheque, with the cheque made payable to: “WFG Securities Inc. In Trust.” Clients must never make cheques payable to their representative and representatives must always refuse to accept cash or cheques made payable to themselves.

SUITABILITY OF ORDERS ACCEPTED/RECOMMENDATIONS MADEWFGS is required under securities legislation and MFDA Rules to ensure that each recommendation made is suitable for you (the client) in relation to your investment objectives, risk tolerance, and other personal circumstances.WFGS has an obligation to make a suitability determination to all trades proposed by you, whether a recommendation is made or not by your representative.

WFGS will perform a suitability assessment in the following circumstances:

• Whenyou(theclient)transfersassetsintoanaccountwithWFGS;

• When WFGS or your representative becomes aware of a change in yourinformation, that results in changes to the stated risk tolerance, timehorizon or investment objectives or would have a significant impact on thenet worth or income of you, the client.

• When there is a change in your representative at WFGS.

Payment of Interest on Client Cash Held in Trust:

• WFG Securities Inc. does not pay interest on cash held in trust to client’s.WFGS pays accumulated interest balances owing over $10 to fundcompanies.



Complaint Handling Procedures We will acknowledge receipt of complaints promptly, generally within five business days. We review all complaintsfairly, taking into account all relevant documents and statements obtained from the client, our records, our WFGSrepresentative, other staff members and any other relevant source. Once our review is complete, we provide clientswith our response which will be in writing. Our response may be an offer to resolve your complaint, a denial of thecomplaint with reasons or another appropriate response. Where the complaint relates to certain serious allegations,our initial acknowledgement will include copies of this summary and the CCIF. Our response will summarize yourcomplaint, our findings and will contain a reminder about your options with the Ombudsman for Banking Servicesand Investments (OBSI).

We will generally provide our response within ninety days, unless we are waiting for additional information from you, or the case is novel or very complicated.

We will respond to communications you send us after the date of our response to the extent necessary to implement a resolution or to address any new issues or information you provide.

Settlements If we offer you a financial settlement, we may ask you to sign a release and waiver for legal reasons.

Contacting WFGS Clients may contact us at any time to provide further information or to inquire as to the status of their complaint, by contacting the individual handling their complaint or by contacting our Compliance Department.

Compliance Department WFG Securities Inc.5000 Yonge Street, Suite 800Toronto, ON M2N 7E9 Ph: 416-225-2121 Fax: 416-225-2113



DEALER COMPENSATION DISCLOSURE STATEMENTWFG Securities Inc. (WFGS) is an independent mutual fund dealer authorized to solicit and place purchase orders for mutual fund securities sponsored by many different fund organizations. In performing our services on your behalf, we may be eligible to receive compensation from one or more sources. Your sales representative can give you a complete explanation of the compensation he or she will receive if you buy securities of a particular mutual fund.

RESPONSIBILITYI/We will not hold WFG Securities Inc. liable for any loss or any failure to obtain any profit which is caused directly or indirectly by government restrictions, exchange or market rulings, suspension of trading unavailability of any electronic service to allow for maintenance, updates or other reasonable cause, wars, strikes or other conditions beyond its control, or any errors or omissions in connection with or in the handling of orders relating to the purchase, sale, execution or expiration of any trades or any related matter, unless WFGS was grossly negligent.

DUAL LICENSE DISCLOSURE STATEMENT

I/we acknowledge that WFGS mutual fund representatives may also be licensed asinsurance agents that conduct insurance business through World Financial Group Insurance Agency of Canada Inc. (“WFGIA”). In addition, your representative may conduct other business activities that are classified as being an outside business activity (“OBA”). Your representative will provide a separate disclosure to you in regards to these activities that are outside of WFGS and/or WFGIA.

YOUR PERSONAL INFORMATIONWFG Securities Inc. (“WFGS”, “we”, or “us”) are committed to protecting the privacy of all client personal information that is being collected, used and disclosed in the course of carrying out business with you. Upon receipt of this application, WFGS will establish a file in which will be placed personal information about you concerning (a) this application, (b) any other form, application, authorization, trade ticket or other document you complete in relation to this application or to your investment account with us, and (c) other documents or information relating to the servicing and administration of this application or your investment account with us. We collect personal information about you from this application and any supplementary forms, and from our advisors and representative. We collect and use your personal information for the purposes of assessing and implementing your investment objectives and instructions, providing you with investment advice, servicing and administering this application and your investment account with us, and for such other purposes as are outlined in this application. Your information may be disclosed to your dealer representative for the purposes identified above. WFGS have contracted with FundEx Investment Inc. to provide for the back office processing of client transactions. Your Social Insurance Number will be used for income reporting purposes. Your banking information will be disclosed to the financial institution(s) processing your investment deposits and withdrawals. You represent and warrant that you are authorized to provide the personal information of a referring third party as requested in this application.

From time to time WFGS may use your personal information to determine which other financial or insurance products and services may meet your needs and to offer them to you. Your consent for this use of your personal information is optional. If you do not wish your personal information to be used for this optional purpose, please make the appropriate selection on the front of this form.

Employees or authorized representatives of WFGS who will be responsible for functions relevant to the purposes identified above, and other persons authorized by you or by law, will have access to the personal information contained in your file. Subject to exceptions set out in applicable legislation, you may access your file and request corrections to your personal information by sending a written request to WFGS, Attn: Privacy Officer, 5000 Yonge Street, Suite 800, Toronto, ON M2N 7E9. By completing and signing this application, you acknowledge and agree that you have provided personal and financial information that is true and accurate and you consent to the collection, use and disclosure of your personal information as described herein or at the time of collection, and as required or permitted by law.

NATURE OF THE ADVISORY RELATIONSHIPThe client is responsible for making investment decisions but can rely on the advice given by their representative, the representative is responsible for the advice and ensuring that it is suitable based on the client’s investment needs and objectives.

PROCEDURES REGARDING HANDLING OF CASH AND CHEQUESWFGS does not accept cash from clients for the purchase of mutual fund products or services. All client purchases should be by cheque, with the cheque made payable to: “WFG Securities Inc. In Trust.” Clients must never make cheques payable to their representative and representatives must always refuse to accept cash or cheques made payable to themselves.

SUITABILITY OF ORDERS ACCEPTED/RECOMMENDATIONS MADEWFGS is required under securities legislation and MFDA Rules to ensure that each recommendation made is suitable for you (the client) in relation to your investment objectives, risk tolerance, and other personal circumstances. WFGS has an obligation to make a suitability determination to all trades proposed by you, whether a recommendation is made or not by your representative.

WFGS will perform a suitability assessment in the following circumstances:

• Whenyou(theclient)transfersassetsintoanaccountwithWFGS;

• WhenWFGSoryourrepresentativebecomesawareofachangeinyourinformation, that results in changes to the stated risk tolerance, time horizon or investment objectives or would have a significant impact on the net worth or income of you, the client.

• WhenthereisachangeinyourrepresentativeatWFGS.

Payment of Interest on Client Cash Held in Trust:

•WFGSecuritiesInc.doesnotpayinterestoncashheldintrusttoclients.WFGS pays accumulated interest on balances over $10 directly to fund companies.



9960 NEW ACCOUNT APPLICATION FORM (NAAF/KYC)

CLIENT INFORMATION [UPDATE TO EXISTING CLIENT �� NEW CLIENT �� CORPORATE* �� ] *Attach Corporate Resolution and Articles of Incorporation for Corp. Accounts

Rep Code: _________________ *For corporate accounts, please provide the FATCA Corporate Disclosure form available at: https://winfund.wfgcanada.com/Body/AppFormsBase.aspx

� Mr. � Mrs. � Miss. � Ms. � DR. � OTHER Language Preference: � ENGLISH � FRENCH

First Name/Business Name Last name SIN/BN Number Date of Birth (mm/dd/yyyy)

Address Telephone Home Telephone Business

City Province Postal code Email Dependents

Employer Name Address Occupation Beneficiary SIN Number

CLIENT IDENTITY VERIFICATION (INDIVIDUAL)

Documentation:

Jurisdiction:

ID Number:

Expiry Date :

Are you a US Citizen or resident for Tax Purposes? � Yes * � No

Advisor’s Initials:

JOINT CLIENT

* If yes please complete the FACTA Individual Disclosure form available at https://winfund.wfgcanada.com/Body/AppFormsBase.aspx �

Address the same as Above

First Name/Spouse First Name Last name/Spouse Last Name Social Insurance Number Date of Birth (mm/dd/yyyy)

Address Telephone Home Telephone Business

City Province Postal code Email Dependents

Employer Name Address Occupation Beneficiary SIN Number

CLIENT IDENTITY VERIFICATION (JOINT)

Documentation:

Jurisdiction:

ID Number :

Expiry Date :

Are you a US Citizen or resident for Tax Purposes? � Yes * � No

Advisor’s Initials :

* If yes please complete the FACTA Individual Disclosure form available at https://winfund.wfgcanada.com/Body/AppFormsBase.aspx

CLIENT/ADVISOR RELATION

Known Client Since: (mm/dd/yyyy) How do you know client? – Referral/Walk In/Friend/Family:

KNOW YOUR CLIENT INFORMATION (Individual)

Approximate Income � Under $25,000 � $25,000 - $49,999 � $50,000 - $74,999 � $75,000 - $99,999 � $100,000 - $124,999 � $125,000- $199,999 � $200,000 -$999,999 � $1 Million and over

Net Worth

� Including Spouse Liquid Assets: _______________ +Fixed Assets______________ -Liabilities _______________ =Net worth ________________

Investment Knowledge: � Novice � Fair � Good � Sophisticated

Other Investments: �Bonds � Mortgages � Stock � Mutual Funds � Real Estate

KNOW YOUR CLIENT INFORMATION (Joint Co-owner)

Approximate Income � Under $25,000 � $25,000 - $49,999 � $50,000 - $74,999 � $75,000 - $99,999 � $100,000 - $124,999 � $125,000- $199,999 � $200,000 -$999,999 � $1 Million and over

Net Worth

� Including Spouse Liquid Assets: _______________ +Fixed Assets______________ -Liabilities _______________ =Net worth ________________

Investment Knowledge: � Novice � Fair � Good � Sophisticated

Other Investments: �Bonds � Mortgages � Stock � Mutual Funds � Real Estate

PRIVACY CONSENT

From time to time your representative and/or WFG Securities Inc. (WFGS) may communicate with you via telephone, mail, email or other electronic means to

discuss products and services sold by your representative and offered through WFGS that may be of interest to you. Do you agree to be included in these

communications and your personal information to be used for this optional purpose? (You may elect to unsubscribe or request to have yourself removed from

these communications at any time by selecting the unsubscribe option in an email or by contacting the WFGS Privacy Officer.)

�� Yes

�� No

No Yes (If Yes, complete below)

INVESTMENT INFORMATION

Leveraged PLAN � Yes � No Leveraged PLAN � Yes � No Leveraged PLAN � Yes � No

Plan Type Plan ID Plan Type Plan ID Plan Type Plan ID

� Open � TFSA � Open � TFSA � Open � TFSA

� RRSP � SPRSP � RRSP � SPRSP � RRSP � SPRSP

� RRIF � LIRA � RRIF � LIRA � RRIF � LIRA

� LIF � RDSP � LIF � RDSP � LIF � RDSP

� RESP I � RESP F � RESP I � RESP F � RESP I � RESP F

� LRSP � ITF � LRSP � ITF � LRSP � ITF

Investment Objective Time Horizon Investment Objective Time Horizon Investment Objective Time Horizon

� Safety: _________% � < 1 Year � Safety: _________% � < 1 Year � Safety: _________% � < 1 Year

� Income: ________% � 1 to < 3 Years � Income: ________% � 1 to < 3 Years � Income: ________% � 1 to < 3 Years

� Growth: ________% � 3 to <5 Years � Growth: ________% � 3 to <5 Years � Growth: ________% � 3 to <5 Years

� Speculative: _____% � 5 to <10 Years � Speculative: _____% � 5 to <10 Years � Speculative: _____% � 5 to <10 Years

� 10 to <20 Years � 10 to <20 Years � 10 to <20 Years

� 20 + Years � 20 + Years � 20 + Years

Risk Tolerance Time Horizon Risk Tolerance Time Horizon Risk Tolerance Time Horizon

� Low: ___________% � Tax Savings � Low: ___________% � Tax Savings � Low: ___________% � Tax Savings

� Low/Med: ______% � Child Education � Low/Med: ______% � Child Education � Low/Med: ______% � Child Education

� Medium: _______% � Retirement Planning � Medium: _______% � Retirement Planning � Medium: _______% � Retirement Planning

� Med/High: ______% � Estate Planning � Med/High: ______% � Estate Planning � Med/High: ______% � Estate Planning

� High: ___________% � Savings � High: ___________% � Savings � High: ___________% � Savings

I/We would you like to enroll for WFG Securities Inc. e-statements? Instead of receiving paper statements please select �� Yes (please see note on the back of this form)

WILL ANY OTHER PERSONS: FOR ITF, RESP, RDSP PLANS INCLUDE NAME OF BENEFICARY, SIN AND DOB

a) Have a Financial Interest in this account? � Yes � No If Yes please provide Particulars : _____________________________

b) Have trading Authorization in this account? � Yes � No If Yes please provide Particulars: _____________________________

(Trading authorization held by a third party for the client’s account must be documented)

c) Are you acting on the instructions of another individual � Yes � No d) Are you opening this account on behalf of a third party � Yes � No If yes, complete the WFGS Third Party Determination Form and attach a copy of the Power of Attorney if applicable

POLITICALLY EXPOSED PERSONS

Please indicate if you or a member of your family (The Mother or Father, spouse or common law partner, spouse’s or common-law partner’s mother or father and brother,

sister, half-brother or half-sister (that is any other child or the individual’s mother or father), is a head of state or government; a member of the executive council of

government or member of a legislature; a deputy minister (or equivalent); an ambassador or an ambassador’s attaché or counselor; a military general (or higher ran); a

president of a state owned company or bank; a head of a government agency; a judge; or a leader or president of a political party in a legislature:

�� Yes �� No Details/Position: ________________________________

CLIENT ACKNOWLEDGEMENT AND CONSENT

I/We hereby declare that I/we have provided original documentation to our representative in order to verify my/our identity and that my/our names, date of birth, the

document number and issuing jurisdiction appearing therein, as indicated above, were correctly transcribed from such documents

I/We have read and understand the leveraging disclosure document, included in this document and in compliance with

MFDA rules

I/We have read and understand the Client Complaint Information Form, included in this document and in compliance with

MFDA rules.

I/We have read and understand the Risk Tolerance, Objectives & Time Horizon and other NAAF definitions that constitute

client relationship disclosures

I/We have received, read and understand the Fund Facts and that I can refer to the prospectus for details of any

applicable DSC charges of fees that may be applicable to any transaction.

Cheques must be payable to WFG Securities Inc In Trust and not directly to a representative Signature Guarantee Stamp

Client Name Client Signature Signing Province Date (mm/dd/yyyy)

Joint Client Name Joint Client Signature Signing Province Date (mm/dd/yyyy)

Rep Name Representative Signature Rep Code Date( mm/dd/yyyy)

ORIGINAL – WFG DEALER CONNECT 2ND COPY – REPRESENTATIVE FILE 3RD COPY – CLIENT Version # 1.0

DUAL LICENSE DISCLOSURE STATEMENTI/We acknowledge that WFGS mutual fund representatives may be licensed as insurance agents. All mutual funds are processed through WFGS and all life or disability products are processed through World Financial Group Insurance Agency of Canada Inc. a separate entity. The representative’s recommendations may result in the purchase of financial products through either entity mentioned above, and, should I/we purchase any of these products, it will result in a commission or finder’s fee which may vary from product to product. WFGS, nor World Financial Group Insurance Agency of Canada Inc. have their own products. These two entities represent many financial product suppliers based on market competitiveness and service. All information I/we provide is kept confidential and will be used to determine the suitability of products and services offered by both entities. No information will be provided.

DUAL OCCUPATION DISCLOSUREWFGS Mutual Fund Representatives may also be engaged in other occupations not related to the sale of mutual funds. Please note that any activities not related to the sale of mutual funds are not the business of the Member or the responsibility of the Member. Also see, Dual License Disclosure Statement.

RISK TOLERANCELow: Low risk investments demonstrate a low volatility and are for investors who are willing to accept lower returns for greater safety of capital and may include such investments as Canada Savings Bonds, GICs and money market mutual funds.Low to Medium: Low to Medium risk investments demonstrate a low to medium volatility but a higher volatility than those described above and may include bond or balanced funds.Medium: Medium risk investments demonstrate a medium volatility and are for investors that are looking for moderate growth over a longer period of time and may include Canadian dividend, Canadian equity, U.S. equity and certain international equity funds.Medium to High: Medium to High risk investments demonstrate a medium to high volatility and are for investors that are looking for long term growth and may include funds that invest in smaller companies, specific market sectors or geographic areas.High: High risk investments demonstrate a high volatility and are for investors who are growth oriented and are willing to accept significant short term fluctuations in portfolio value in exchange for potentially higher long term returns and may include labor sponsored venture capital funds or funds that invest in specific market sectors or geographic areas such as emerging markets, science and technology, or funds that engage in speculative trading strategies including hedge funds that invest in derivatives, short sell or use leverage.

OBJECTIVESSafety - The objective is mainly the protection of principal. The investment selection could include very low risk mutual funds and GICs.

Income -The objective is mainly to generate an income from your investments and you are less concerned with capital appreciation. This could include fixed income funds, funds that invest in bonds and money market funds.Growth - The objective is capital appreciation and current income from investments is not a requirement. This may lead you to hold a relatively high proportion of funds that invest in equities if you also have a medium to higher risk tolerance and longer term time horizon.Speculative - The objective is capital appreciation. Investment could include higher risk funds with a long term time horizon. Speculative objectives are not realistic short term time horizon.

TIME HORIZONPeriod from now to when you need to access a significant portion of the money you invested in the account. The investment time horizon is closely connected to the objectives of the plan, requirements for the investable assets and the risk tolerance of the investor. Generally, a longer time horizon would be 5 or more years, a medium time horizon would be 3-5 years and a short time horizon may be less than 3 years. Investors should ensure that their investments adequately reflect the amount of time they have available and the amount of risk that they are willing to assume. Investment performance may greatly fluctuate over the time horizon.

FOR QUEBEC RESIDENTSThe Autorite des marches financiers (“AMF”) is the regulatory and oversight body for Quebec’s financial sector. The AMF provides assistance to consumers of financial products and services and ensures the implementation of programs to protect and compensate consumers.For more information on the AMF complaint process go to www.lautorite.qc.ca or phone the AMF at 1-877-525-0337.

CONTENT AND FREQUENCY OF REPORTINGA client will receive 3 quarterly WFGS statements and an annual statement. These statements are sent to clients within 15 days of the end of the statement period (January-March, Aprl-June, July-September, Annual). The statement will include:••••

•also receive Client Transaction Confirmations which are issued by the fund company’s directly or the trustee that holds the client accout.WFGS receives a commission at the time of sale of an investment and may earn an ongoing commission (trailer fees) for as long as the client holds the investment. In addition to the aforementioned, there may be other fees or costs charged by the product manufacturer depending upon the investment product. For more information concerning the nature of any fees or compensation, the client may speak to their representative.




INVESTING WITH BORROWED MONEY

Using borrowed money to finance the purchase of securities involves greater risk than a purchase using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of the securities purchased declines.

RISK OF BORROWING TO INVEST

Here are some risks and factors that you should consider before borrowing to invest:

Is it Right for You?

• Borrowing money to invest is risky. You should only consider borrowing to invest if:

You are comfortable with taking risk.

You are comfortable taking on debt to buy investments that may go up or down in value.

You are investing for the long-term.

You have a stable income.

• You should not borrow to invest if:

You have a low tolerance for risk

You are investing for a short period of time.

You intend to rely on income from the investments to pay living expenses.

You intend to rely on income from the investments to repay the loan. If this income stops or decreases you may not be able to pay back the loan.

YOU CAN END UP LOSING MONEY

• If the investments go down in value and you have borrowed money, your losses would be larger than had youinvested using your own money.

• Whether your investments make money or not you will still have to pay back the loan plus interest. You mayhave to sell other assets or use money you had set aside for other purposes to pay back the loan.

• If you used your home as security for the loan, you may lose your home.

• If the investments go up in value, you may still not make enough money to cover the costs of borrowing.

TAX CONSIDERATIONS

• You should not borrow to invest just to receive a tax deduction.

• Interest costs are not always tax deductible. You may not be entitled to a tax deduction and may be reassessedfor past deductions. You may want to consult a tax professional to determine whether your interest costs will bedeductible before borrowing to invest.

Your representative should discuss with you the risks of borrowing to invest.


WFG Securities Inc.

Clients should receive Fund Facts prior to first purchase. All investments inherently carry a degree of risk, and clients should ensure that they are comfortable with the risks associated with their investments before purchase. Clients should ask their representative how they can obtain a prospectus or current Fund Facts, if using a Pre-authorized Purchasing Plan or making subsequent purchases.



The Goal...to help people around theworld achieve Financial Independence

The WFGS Difference:• Our associates are trained to take a strategic approach, not just sell a product.

• Working with families to help you reach your personal goals.

• We’ll help identify some of the best financial products the industry has to offer from our diversified product portfolio.

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For more information on how you can help ensure No Family is Left Behind®, please contact your WFGS representative.

www.wfgopportunity.ca


WFGS KYC 06/15

5000 Yonge Street, Suite 800, Toronto, ON M2N 7E9

Phone: 416-225-2121

Fax: 416-225-2113

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