ATON Dealer Best Practices Guide

The Account Transfer Online Notification (ATON) service, operated by CDS

Clearing and Depository Services Inc. (CDS), facilitates the automated exchange

of client account information, cash and securities between CDS and CDS

Participants who have subscribed to the ATON service. ATON users include

Investment Industry Regulatory Organization of Canada (IIROC) broker-dealers

and other regulated financial firms such as banks, trust companies, investment fund

dealers, insurance companies, and credit unions.

ATON contributes to the efficient and accurate transfers of client assets and funds

between financial intermediaries. It also assists firms in complying with IIROC

Regulation 2300.

This guide has been prepared by ATON users for ATON users to maximize the

operational efficiencies, and other benefits, that ATON can deliver to industry.

Sincerely,

Investment Industry Association of Canada

Disclaimer: This document has been compiled utilizing information submitted from external sources.

Neither IIAC nor CDS can guarantee the completeness or accuracy of the information and neither

IIAC nor CDS may be held in any way liable or responsible for claims or damages of any kind

whatsoever resulting from use of the information.

ATON Dealer Best Practices Guide         Release 9.11                       Page 3 
Contents 
Chapter 1  ATON best practices ......................................................................................... 5 
0  Client information ................................................................................................ 5 
0  IIROC Regulation 2300 (Rules 2.1 to 5.2) timeframes ........................................ 5 
0  Address Mismatch and Address Undeliverable Resolution ................................. 5 
0  Requests for copies of transfer forms ................................................................. 6 
0  Pending trades .................................................................................................... 6 
0  Short positions .................................................................................................... 6 
0  Small debit balances ........................................................................................... 6 
0  Mixed type transfers ............................................................................................ 6 
0  RFT in accepted (ACC) status ............................................................................ 6 
0  RFT in unconfirmed (UNC) status ....................................................................... 6 
0  In cash requests .................................................................................................. 6 
0  Managed accounts .............................................................................................. 7 
0  Mutual funds ....................................................................................................... 7 
0  RESP (registered education savings plan) transfers ........................................... 7 
0  RIF (registered income fund) transfers ................................................................ 7 
0  LIRA (locked-in regulated annuity) accounts ....................................................... 7 
0  NEW and OLD Ontario LIF (life income account) ................................................ 8 
0  NEW and OLD federal LIF and RSP (retirement savings plan) accounts ............ 8 
0  Guarantee and guarantor accounts ..................................................................... 8 
0  IPP (individual pension plans) ............................................................................. 8 
0  Estate transfers ................................................................................................... 8 
Chapter 2  Service providers .............................................................................................. 9 
1  Broadridge .......................................................................................................... 9 
Chapter 3  ATON participant operating practices ........................................................... 11 
1  BMO Financial Group ........................................................................................ 12 
2  Canaccord Genuity Corporation ........................................................................ 14 
3  CIBC ................................................................................................................. 15 
4  Computershare ................................................................................................. 16 
5  DWM Securities Inc. .......................................................................................... 16 
6  Edward Jones ................................................................................................... 17 
7  Fidelity Clearing Canada ................................................................................... 17 
8  Manulife Securities Inc./Manulife Securities Investment Services Inc. .............. 18 
9  NBIN ................................................................................................................. 21 
10  Odlum Brown .................................................................................................... 22 
11  Peak Securities Inc. .......................................................................................... 23 
12  Raymond James ............................................................................................... 23 
13  RBC .................................................................................................................. 25 

ATON Dealer Best Practices Guide         Release 9.11                       Page 4 
CONTENTS 
14  RF Securities Clearing L.P…………………………………………………………..25 
15  Scotia Capital .................................................................................................... 27 
16  Scotia Securities Inc. (SSI) Dealer Services ..................................................... 28 
17  TD Waterhouse ................................................................................................. 28 
17  VMD Desjardins ................................................................................................ 29 

ATON Dealer Best Practices Guide Release 9.11 Page 5

CHAPTER 1

ATON best practices

ATON best practices for all participants are indicated in the table below.

1.0 Client information

1.1 Full and accurate social insurance numbers (SINs) are mandatory for registered accounts. If

a SIN is not entered correctly, the RFT is automatically rejected.

Note: A SIN is not required for non-registered accounts due to privacy regulations. If a client

does not provide their SIN, some firms populate the SIN field with a generic SIN. If the generic

SIN number has been used, the delivering firm has the right to request a copy of the transfer

document before agreeing to process this request using ATON.

1.2 Account types must match (i.e., non-registered to non-registered, registered to registered,

locked-in to locked-in, etc.).

2.0 IIROC Regulation 2300 (Rules 2.1 to 5.2) timeframes

2.1 RFTs must not be recycled (creates problems with asset lists resulting in dupe deliveries or

aging) in accordance with IIROC regulation 2300. For more information, refer to IIROC

Regulation 2300 at www.iiroc.ca.

2.2 RFT must be returned to receiver within 48 hours.

2.3 Transfer must be completed within 10 business days.

3.0 Address Mismatch and Address Undeliverable Resolution

3.1

Create the best practice to manage the administrative challenges at time of processing the

ATON address mismatch:

The receiving dealer will initiate the transfer on ATON based on signed transfer form

submitted by the client pursuant to Rule 2300.

The delivering dealer will review the ATON request and in instances of address

mismatch, will validate the transfer request by reviewing the additional client information

that appears on the RFT Header such as the Client Name, SIN, Account Number or Plan

ID.

The delivering dealer will use the ATON header screen as back up of the address

mismatch. The receiver will not be required to provide a copy of the transfer form. The

ATON header screen will serve as proof of client’s new address.

The ATON header screen displays the client’s address at the receiving dealer. The client

information showing on the ATON header is expected to be similar to what is indicated on

the hard copy transfer form that the client signed.

Anticipated results from implementing best practice:

•

Timely processing of transfers by eliminating the manual process of sending a copy of

the transfer form to the delivering firm.

•

Significant reduction on transfer rejects between dealer members due to address

mismatch

•

Cost savings in ATON processing as the initial transfer request will no longer be rejected

CHAPTER 1 ATON BEST PRACTICES

ATON Dealer Best Practices Guide Release 9.11 Page 6

4.0 Requests for copies of transfer forms

4.1 A firm may request that a transfer form be faxed to them before they will proceed with the

transfer. The requested form should be faxed within the same day. Some firms may reject

the transfer if the form is not received on the same day.

5.0 Pending trades

5.1 The deliverer should advise the receiver (i.e., update the RFT) if the asset list will be

returned on settlement date.

5.2 The client signed transfer form authorizes the cancellation of all open trades. Some firms

disable their systems to stop trading, while others are unable to or elect not to. As a result, if

a client still continues to trade, the deliverer may reject the transfer request until all trading

ceases.

6.0 Short positions

6.1 The receiving firm must deliver confirmed short positions to the delivering firm within

48 hours or must advise if there are any problems.

Note: Short positions are delivered outside of ATON, they do not automatically get set up in

CDSX and DTC.

6.2 The delivering firm may request that an account be sent back to them if the account will be

under-margined on the deliverer's side as a result of the short not being returned.

7.0 Small debit balances

7.1 Debit balances of less than $300 should be accepted at the time of the original transfer. If the

debit is processed and/or requested at a later date, the delivering firm should provide some

form of explanation for the debit.

8.0 Mixed type transfers

8.1 The RFT Detail screen must be completed by the receiving firm on the same day by

4:00 p.m. ET, otherwise the RFT notice may be rejected manually or by the system.

9.0 RFT in accepted (ACC) status

9.1 This applies to Broadridge only. If the deliverer needs to reject an RFT in ACC status, $0.01

is added to the asset list with a clearing institution code of OTC (over-the-counter) and a

request to rescind the RFT is sent to the receiving firm to enable the delivering firm to reject

the RFT. For more information, see Broadridge on page 9.

9.2 If processing is delayed for a valid reason, the status of the account is changed by some

firms from NEW to ACC and the reason is indicated (e.g., market action required, approval,

etc.).

10.0 RFT in unconfirmed (UNC) status

10.1 Generally speaking, if an account is in UNC status, account transfers may exclude the

disputed asset items and return the asset list to the delivering firm after being notified of the

disputed asset items by the receiving firm or rescind the account transfer with the reason for

rescinding. The deliverer is unable to change an RFT to return status if rescinded by the

receiver, it will have to be rejected. For the account transfer to occur, the deliverer may have

to exclude the disputed asset items.

11.0 In cash requests

11.1 The deliverer is required to take market action as requested. It is not the delivering firm’s

responsibility to scrutinize the client’s assets to determine what the client should or should

not redeem (e.g., any DSC, claw back fees, SEG funds with a guarantee, or any other

product’s that the client may wish to be transferred in kind).

CHAPTER 1 ATON BEST PRACTICES

ATON Dealer Best Practices Guide Release 9.11 Page 7

12.0 Managed accounts

12.1 Many firms have accounts that require special handling. Managed accounts and accounts

with security baskets need to be decoded and charged before an asset list can be returned

to the receiving institution. This process can cause a delay in returning an asset list.

13.0 Mutual funds

13.1 If a mutual fund transfer is rejected by CDS, powers of attorney are issued (manually with

some firms and automatically with other firms) and delivered to the receiving firm.

The delivering firm generating the mutual fund power of attorney must provide the following

information on the power of attorney: client name, account type, fund code, mutual fund

description, quantity/amount to be transferred, deliverer’s cross-reference account number

and dealer code, and receiver’s cross-reference account number and firm name.

13.2 When attaching mutual fund assets, the delivering firm must ensure that the mutual fund

description is populated on the Asset Detail screen. The mutual fund code is not sufficient.

14.0 RESP (registered education savings plan) transfers

14.1 All notional information must be exchanged between the firms before the RFT is set up in

ATON. If no information is received, the deliverer will reject the RFT.

14.2 All receiving firms should add a memo on the RFT indicating that the notional information

has been exchanged.

15.0 RIF (registered income fund) transfers

15.1 Debits will not be incurred by the deliverer unless the receiving firm indicates on the RFT

special instruction line that they (the receiving firm) will accept a debit balance when an RIF

payment is made.

15.2 Some firms, depending on the amount of the debit/RIF payment, may reject the request to

send debit.

15.3 In accordance with CRA regulations, RIF payments must be made by the delivering firm prior

to releasing an account.

16.0 LIRA (locked-in regulated annuity) accounts

16.1 The receiving firm must provide the pension legislation governing their account to the

delivering firm electronically, via the CDS ATON Panel. The delivering firm must confirm the

pension legislation matches their client account details, prior to returning an ATON transfer

request. A physical Locked In Agreement (LIA), is not required.

16.2 If the pension legislation does not match, the delivering firm should reject the ATON request,

and notify the receiving firm of the pension legislation on file for their account in the ATON

memo field.

16.3 If any additional documentation is required by provincial regulation, the forms must be

provided to the receiving firm prior to the ATON setup. If not received, the delivering firm

should notify the receiving firm of the additional requirement, and if not received within 24

hours, reject the transfer.

CHAPTER 1 ATON BEST PRACTICES

ATON Dealer Best Practices Guide Release 9.11 Page 8

17.0 NEW and OLD Ontario LIF (life income account)

17.1 If a receiving account is NEW or OLD, the receiving firm must enter NEW or OLD in the

memo field when they set up their RFT notice.

17.2 If a delivering account is NEW or OLD, the delivering firm must enter NEW or OLD in the

memo field.

17.3

For non-ATON and/or blue-dot transfers:

•

The receiving firm must indicate NEW or OLD on the Transfer form and the Locked-In

Agreement

•

The delivering firm must indicate NEW or OLD on the Transfer Form that is returned to the

receiving firm.

18.0 NEW and OLD federal LIF and RSP (retirement savings plan) accounts

18.1 If a receiving account is NEW or OLD, the receiving firm must enter NEW or OLD in the

memo field when they set up their RFT notice.

18.2 If a delivering account is NEW or OLD, the delivering firm must enter NEW or OLD in the

memo field.

18.3

For non-ATON and/or blue-dot transfers:

•

The receiving firm must indicate NEW or OLD on the transfer form and the locked-in

agreement

•

The delivering firm must indicate NEW or OLD on the transfer form that is returned to the

receiving firm.

19.0 Guarantee and guarantor accounts

19.1 Guarantee and guarantor accounts must be requested at the same time. If they are not, the

deliverer may reject the request. The delivering firm should return both RFT asset lists with a

comment in the MEMO field that both RFTs must be confirmed at the same time.

20.0 IPP (individual pension plans)

20.1 ATON can be used to process IPPs. Some firms have these accounts set up in their

non-registered range.

21.0 Estate transfers

21.1 Only some estate transfers can be processed using ATON. In these cases, the account setup

and information (i.e., name, SIN, account type, etc.) must match the estate documentation

in order for the transfer to be processed in ATON. Estate documentation must be provided

upon request from the delivering firm.

ATON Dealer Best Practices Guide Release 9.11 Page 9

CHAPTER 2

Service providers

ATON has the following service providers:

• Broadridge (formerly ADP) – 10-digit account number

• ISM – seven-digit account number

• Dataphile – eight-digit account number

For Broadridge 10-digit account numbers, the last two digits represent the type and

check. If the last two digits are missing, do one of the following:

• For Broadridge users, use CKDG to obtain the last two digits prior to setting up an RFT

notice.

• For non-Broadridge users, contact the delivering firm to obtain the required

information.

Receiving firms (excluding Broadridge) must set up two RFTs for multiple currencies as

follows:

• First RFT must be a partial equal = US$

• Second RFT must be a full equal = C$

Note: Transfers that do not meet this requirement will be rejected.

2.1 Broadridge

This section includes ATON operating practices that are specific to Broadridge and

Broadridge clients.

Mixed type transfers

The receiving firm is required to complete the RFT Detail screen by 4:00 p.m. ET each

day. Transfers received after 4:00 p.m. ET are automatically rejected.

Cash on hold

For full transfers where cash is part of the asset list, the cash will be initially on hold using

the following process:

1. The first calculation (occurring after the receiver confirms the asset list) books the

applicable outbound transfer fee.

ATON Dealer Best Practices Guide Release 9.11 Page 10

CHAPTER 2 SERVICE PROVIDERS

Broadridge

2. The second calculation picks up additional interest or additional funds booked in

the account after the RFT has been returned and/or confirmed and settles the new

amount.

To reduce exposure, a $5000 threshold (maximum) amount (i.e., the difference

between the original amount on the asset list returned by the deliverer and the net

cash disbursement amount of the second calculation) exists. This $5000 variance

(approved by the ATON Steering Committee) is the maximum amount that a

deliverer can modify the dollar amount for cash.

There are four scenarios:

• Credit increase

• Credit decrease

• Debit increase

• Debit decrease

Depending on the scenario and the $5000 variance, the actual settled funds

determined by the second calculation could result in a $0.01 to $5000 variance.

The $0.01 amount will result if the funds on the original asset list are changing from

a debit to a credit or a credit to a debit.

3. The cash is released from hold with a confirmed pending (CONP) status after 24

hours has elapsed.

 
ATON Dealer Best Practices Guide         Release 9.11                       Page 11 
CHAPTER 3 
ATON participant operating practices 
This chapter includes ATON operating practices for the following participants: 
•  BMO Financial Group on page 12 
•  Canaccord Genuity Corporation on page 14 
•  CIBC on page 15 
•  Computershare on page 16 
•  DWM Securities Inc. on page 16 
•  Edward Jones on page 17 
•  Fidelity Clearing Canada on page 17 
•  Manulife Securities Inc./Manulife Securities Investment Services Inc. on page 18 
•  NBIN on page 21 
•  Odlum Brown on page 22 
•  Peak Securities Inc. on page 23 
•  Raymond James on page 23 
•  RBC on page 25 
•  RF Securities Clearing L.P. on page 25 
•  Scotia Capital on page 27 
•  Scotia Securities Inc. (SSI) Dealer Services on page 28 
•  TD Waterhouse on page 28 
•  VMD Desjardins on page 29 

CHAPTER 3 ATON PARTICIPANTS

ATON Dealer Best Practices Guide Release 9.11 Page 12

BMO Financial Group

3.1 BMO Financial Group

Vendor: Broadridge

Account Range

CUID/Dealer No.

Contact Information

BMO NB Transfers

245-00000-00 TO 835-99999-99

CUID: NTDT

Dealer: 9185

416-552-7001

BMO Investorline Transfers

210-00000-00 TO 229-99999-99

CUID: NTDT

Dealer: 9185

N/A

BMO adviceDirect Transfers

234-00000-00 TO 235-99999-99

CUID: NTDT

Dealer: 9185

N/A

BMO Private Bank (BMO Trust Company)

865-00000 TO 874-99999

CUID: NTDT

Dealer: 7555

416-552-7746

Outbound transfers

BMO NB Transfers and BMO IVL Transfers

Cashable GICs

Cashable GICs cannot be transferred in kind. If the client wishes

to sell the GIC, then the receiver has to set up a partial in cash

notice with instructions to sell the GIC.

Mutual Fund Partial

Notices

If partial notice is set up for a mutual fund transfer, the number of

units must be specified instead of the dollar value.

Guarantee/Guarantor

Transfers

Both guarantee and guarantor transfers require additional

approvals at BMO prior to being transferred.

LIF Accounts

For LIF account transfers, BMO confirms the minimum or the

maximum to be paid with the client prior to transfer.

Pledged Accounts

The client or the receiver must obtain a release letter from the

BMO bank branch holding the account as collateral and send it to

BMO’s Risk department located at First Canadian Place, B1 level.

Restricted Accounts

Approval is required to transfer-out accounts coded as restricted.

BMO NB Managed

Accounts

Fees are applied to the account upon transfer which may result in

debit balances.

CHAPTER 3 ATON PARTICIPANTS

ATON Dealer Best Practices Guide Release 9.11 Page 13

BMO Financial Group

BMO Private Bank

Cashable GICs

Cashable GICs cannot be transferred in kind. If the client wishes

to sell the GIC, then the receiver has to set up a partial in cash

notice with instructions to sell the GIC.

Proprietary Assets

(JHI, GGF55100, some

JHN* and Bank of

Montreal Bonds*)

BMO Funds (JHI) and GGF55100 are proprietary to BMO Private

Banking and cannot be transferred out in-kind.

* Some JHN funds and BMO bonds are also considered

proprietary.

Mutual Fund Partial

Notices

If partial notice is set up for a mutual fund transfer, the number of

units must be specified instead of the dollar value.

Transfer Fee

As of July 31, 2013, there is no transfer fee charged for BMO

Private Banking transfers.

LIF/RRIF Accounts

For LIF account transfers, approval is needed before transfer to

ensure that the payments are made prior to the movement.

Pledged Accounts

A release needs to be obtained before it is transferred out.

Inbound transfers

BMO NB Transfers and BMO IVL Transfers

Debits Over $300

Debits over $300 require approval before acceptance is granted.

Individual Pension

Plan (IPP) Transfers

Prior to setting up an IPP transfer in ATON, BMO Nesbitt Burns

faxes a copy of the instructions and paperwork to their

Compliance department for approval.

GIC Issuers Without

BMO Custodial

Agreements

GIC issuers who do not have custodial agreements with BMO

cannot transfer GICs to BMO in kind.

Asset Lists Returned

With Hold Options,

Calls and Puts

For asset lists that are returned with hold options, calls and puts,

BMO NB and BMO Investorline must obtain approval from their

Risk and Options department before confirming asset lists.

L-Market Shares

BMO cannot accept L-market shares (private restricted positions).

BMO NB is the only line of business that can accept small

business shares.

CHAPTER 3 ATON PARTICIPANTS

ATON Dealer Best Practices Guide Release 9.11 Page 14

Cheques and Manual

PAs (BMO NB

Transfers)

Please send cheques and manual PAs for BMO NB Transfers to

the following address:

250 Yonge Street

7th Floor

Attention: Account Transfers

Toronto, ON

M5B 2M8

Physical Securities

Please send all physical securities (certificates) to:

100 King Street West

Level B1

Attention: OTC - Cage Window

Toronto, ON

M5X 1A1

BMO Private Bank

Debits Over $300

Debits over $300 require approval before acceptance is granted.

GIC Issuers Without

BMO Custodial

Agreements

GIC issuers who do not have custodial agreements with BMO

cannot transfer GICs to BMO in kind.

Derivatives (Call, Puts

Options

BMO HPB does not accept derivative products.

Segregated Funds

BMO HPB does not accept segregated funds.

Physical Securities

Please send all physical securities (certificates) to:

One First Canadian Place, B1 Level

Attention: Document Management Department

New Ontario / Federal

LIF Form

The completion and return of the provided New ONT or FED LIF

form is required.

Canaccord Genuity Corporation

3.2 Canaccord Genuity Corporation

Vendor

Dataphile

Account information

Account numbers are eight digits in length with a letter in the

seventh position. Managed accounts are represented with a letter

in the sixth position.

CDS CUID: CCAM for client account transfers

The following ATON operating practices are specific to Canaccord Genuity

Corporation:

• Debits greater than $1000. Debits that are greater than $1000 and any short option

positions must be approved by the Credit department.

CHAPTER 3 ATON PARTICIPANTS

ATON Dealer Best Practices Guide Release 9.11 Page 15

• GIC transfers. For GIC transfers, Canaccord must hold a custodial agreement

with the issuer before receiving the GIC. If an agreement is not in place at the time

the asset list is received, internal approval is requested through the Risk

Management department.

• Managed accounts. Outbound transfers of managed accounts must be approved

by the Managed Account department. They also liquidate the account, if

applicable, and charge a fee. A further 24 hours are required to process these

accounts and finalize the fees.

• RIF transfers. Outbound transfers of RIFs must be approved by the Registered

Plans department. They also advise once the RIF payment is complete.

• Transfer fees. Outbound transfer fees apply to all accounts whether full or partial

transfers.

CIBC

3.3 CIBC

Vendor

Broadridge

Contact information

Transfer Support Line

416-935-0386

The following ATON operating practices are specific to CIBC:

• CIBC asset management frontiers models. Frontiers funds are nontransferable

in kind.

• CIBC special products offerings. CIBC offers ICS managed portfolios:

– The non-registered accounts start with 530, 531, 533 and 534. There are no

sub/internal accounts.

These accounts can be transferred in full and partial for both cash and in kind.

– The registered accounts begin with the number 5 and has an internal sub-

account starting with 559 or 568.

The ICS registered plan account contains a primary account and multiple sub/

internal accounts.

– Options to transfer:

Transfer the assets in the primary account only (they should be placed as a

partial with notes in special instructions to indicate ‘primary only’).

Transfer full request of the ICS account (it should be placed as a full transfer

using the Primary account which will move all the assets in both the primary

and sub accounts).

Transfers of only the sub-accounts are not permitted.

• Transfer fees. CIBC charges a transfer fee on all full or partial transfer requests.

CHAPTER 3 ATON PARTICIPANTS

ATON Dealer Best Practices Guide Release 9.11 Page 16

Computershare

3.4 Computershare

Contact Information

Transfer Inquires:

Email - [email protected]

Computershare Trust Company of Canada

Private Capital Solutions

Toronto office

100 University Ave, 8

Floor

Toronto, ON, M5J 2Y1

CUID: CTCA

Account Information

Account numbers can vary, but will either begin with 6, 7, 1

or 0 and can end in W, M or C.

Account numbers beginning with C followed by 10

digits are not for Private Capital Solutions. Please do

not set these accounts up on ATON.

The following ATON operating practices are specific to Computershare Trust

Company of Canada, Private Capital Solutions:

• For transfers that are requested as full in-kind, Computershare requires the

receiving institution to sign a Letter of Acceptance (LOA) for the asset(s) being

transferred. Please set the request up on ATON and then send an email to the

Transfer Team at the email above with the RFT# requesting the LOA.

• Computershare does not accept nor issue RRIF Assumption letters.

• For inbound transfers, Computershare will not accept negative positions.

• For outbound transfers, Computershare can send debits for fees owing. If there

are any questions on fees owing, please contact the Transfer Team at the email

above.

DWM Securities Inc.

3.5 DWM Securities Inc.

Vendor

IBM

The following ATON operating practices are specific to DWM Securities Inc.:

• Managed accounts. DWM Securities Inc. has three managed accounts types

where an extra day is required to complete the outbound transfer. This is due to

management fees that need to be calculated and charged, prior to transfer.

– Summit accounts (beginning with 14)

– Vintage accounts (beginning with 21)

– MIS accounts (beginning with 13 or 15).

• DYN funds. Some firms may not be able to hold some of DWM Securities Inc.’s

DYN funds. In some cases, DYN 500 and DYN 550 are not accepted in kind.

Firms should check their client holdings prior to setting up a transfer and ask for

the holding in cash, if necessary, on these funds.

CHAPTER 3 ATON PARTICIPANTS

ATON Dealer Best Practices Guide Release 9.11 Page 17

Edward Jones

3.6 Edward Jones

Vendor

Broadridge

Contact information

CDS CUID: EDJC

DTC participant ID: 5012

90 Burnhamthorpe Road West

Mississauga, ON L5B 3C2

customeraccounttransfer@edwardjones.com

Transfer Service Line: 800-234-7975

Fax: 877-479-5308 ATON In & Out, Non-ATON In

Fax: 877-479-6249 NON-ATON Out

Account information

Registered accounts are 500 account range

Non-registered accounts are 200 account range

The following ATON operating practices are specific to Edward Jones:

• Transfer fees. Edward Jones charges $135 + GST/HST for full outbound

transfers and $50 + GST/HST for partial requests.

• Joint and in trust accounts. For joint accounts and in trust accounts, the second

SIN must be indicated in the MEMO field. Fax transfer forms to verify signatures

to avoid delays or rejections.

• Locked-in agreements. Send all locked-in agreements before ATON initiation to

avoid unnecessary rejects and client transfer delays. Edward Jones will reject the

ATON transfer request if a locked-in agreement is not received within 24 hours of

ATON initiation.

• Residual balances. Edward Jones processes residual balances weekly.

• Canadian and U.S. funds. Edward Jones has one account that can carry both

Canadian and U.S. currency. Edward Jones does not have separate accounts for

currency.

• Faxed transfer requests. Edward Jones accepts faxed transfer out requests if

signed by the client and accompanied by all appropriate supporting

documentation.

• Off-book assets. Transfer applications should be sent directly to the mutual fund

company.

• Marriage breakdown transfers. ATON eligible firms must set these up on ATON

to avoid rejection.

Fidelity Clearing Canada

3.7 Fidelity Clearing Canada

Vendor

Dataphile

CHAPTER 3 ATON PARTICIPANTS

ATON Dealer Best Practices Guide Release 9.11 Page 18

Contact information

Transfer Inquiries:

Email:acctransfer.fcc@fidelity.ca

Fax: 416-216-7440

CUID: FIDC

DTC participant ID: 5040

Fidelity Clearing Canada (Fidelity) ULC

483 Bay Street, Suite 200, South Tower

Toronto, ON M5G 2N7

Account information

Account numbers are 8 alphanumerical digits in length. The last

digit (letter) identifies the account type

Manulife Securities Inc./Manulife Securities Investment Services Inc.

3.7 Manulife Securities Inc./Manulife Securities Investment Services Inc.

Vendor

Broadridge - Dataphile

Contact Information

Manulife Securities Inc. PO

Box 1619

Waterloo, ON N2J 4K6

CUID: BSIT

DTC: 05047

Manulife Securities Investment Services Inc. PO Box

1619

Waterloo, ON N2J 4K6

CUID: BSIF

Account Information

Account numbers are 8 digits in length, the last digit (letter)

identifies the account type

A - CAD cash

B - USD cash

E - CAD margin

F – USD margin

I - PRIF

J - LIF/LRIF

K - RESP

L -LIRA/LRSP

M - TFSA

R - RRSP

S - Spousal RRSP

T - RRIF

U - Spousal RRIF

CHAPTER 3 ATON PARTICIPANTS

ATON Dealer Best Practices Guide Release 9.11 Page 19

Manulife Securities Inc./Manulife Securities Investment Services Inc.

Note:

1. Custodian for Options is Fidelity Clearing Canada

2. Please send Cheques Attention: Manulife Securities Transfer Department

PO Box 1619, Waterloo, ON N2J 4K6

3. Please send Physical Certificates and Share Ownership Certificates to

500-1235 North Service Rd West, Oakville, ON L6M 2W2

4. Manulife Securities Email: [email protected]

5. Manulife Securities Fax: (888) 777-2375. Please email POA’s individually,

Attention: Transfer Department to the above email address.

6. Accounts that start with a B (client name accounts) should be submitted to the

fund company directly. Any client name transfers will be rejected back for manual

processing.

The following ATON operating practices are specific to Manulife Securities:

Incoming Transfers

3.7.1 Approved Products. Manulife Securities has a list of approved products. Transfers

will be rejected if the product is not on our Approved Funds Database.

3.7.2 Debits over $300. Debits that are greater than $300 must be approved by the Credit

department.

3.7.3 GIC Transfers. For GIC transfers, Manulife Securities must hold a custodial

agreement with the issuer before receiving the GIC.

3.7.4 Option Transfers. Option positions must be approved by our Security Operation

department:

• An option approved account must be available prior to accepting any option

position.

• Manulife Securities Inc. will accept only a Covered call position (short) with

underlying long security. The equivalent number of long underlying security

shares must come prior to accepting a Covered call position (short) or on

same time accepting a Covered call position (short).

• No Covered call position (short) transferred-in in the Option approval Level 1

account.

• MSI does not accept or deliver any long Call or long Put positions within 2

weeks of expiry.

Outbound Transfers

3.7.5 MIP 09 series funds. Are proprietary funds to Manulife Securities and cannot be

CHAPTER 3 ATON PARTICIPANTS

ATON Dealer Best Practices Guide Release 9.11 Page 20

Manulife Securities Inc./Manulife Securities Investment Services Inc.

transferred out in kind. If the client wishes to transfer these assets they must go in cash.

In order to avoid a rejection please initiate only mixed or in cash instructions only, full

in kind instructions will be rejected.

3.7.6 Transfer fees. Outbound transfer fees apply to all accounts whether full or partial

transfers.

3.7.7 Trustee fees. Where applicable, outbound transfers will have our annual trustee fees

applied to the account at time of transfer.

3.7.8 RIF/LIF/Plans with reoccurring events that are being transferred. Outbound

transfers of RIF or LIF accounts, or accounts with reoccurring events must be

approved by the Registered Products Department. The transfer will be completed once

the payment cycle is complete. Instructions for RIF/LIF payment instructions must be

included in the request. Missing instructions will cause a delay in getting the asset list

returned.

3.7.9 Managed accounts. Manulife Securities have fee based and managed accounts that

require special handling.

All fees are charged before an asset list can be returned to the receiving

institution. This process can cause a delay in returning an asset list. Managed

accounts will be transferred out in cash.

Note: Managed Account range begins with M00. Fee Based Account range

begins with NF

3.7.10 Address information. Manulife Securities will reject a transfer request if the client’s

address does not match Manulife Securities records. To avoid rejection, the client’s

address must be stated on the special instructions or memo field.

3.7.11 Estate transfers. Manulife Securities is able to process estate to estate transfers on

ATON if documentation is provided. Final approval from Manulife Securities Estates

department is required.

3.7.12 Pledged Accounts (NLZ account range). A release needs to be obtained from

Manulife Bank before it is transferred out.

3.7.13 IPP transfers. Manulife Securities does not manage IPP accounts, and are not able

to process IPP to IPP transfers on ATON.

3.7.14 Joint Account to Individual. Manulife requires a copy of the transfer form to verify

that all parties have signed-off on the transfer out request.

3.7.15 Locked-in agreements. Manulife Securities will reject an ATON transfer within 48

hours if the locked-in agreement is not received.

3.7.16 Residual balances. Manulife Securities processes residual transfers twice a month.

3.7.17 Corporate Accounts. A copy of the transfer document is required to be faxed to 1-

888-777-2375. This is to confirm that the signing officer for the account has signed

the request to transfer.

3.7.18 Rejected Mutual Funds. Mutual funds that are rejected via Fundserv will have a

manual POA faxed to the receiving institution. We do not follow-up with receiving

institution to confirm if they have received the POA. If a POA is not received it is the

receiving institutions responsibility to email Manulife Securities to request a duplicate.

CHAPTER 3 ATON PARTICIPANTS

ATON Dealer Best Practices Guide Release 9.11 Page 21

NBIN

3.8 NBIN

Vendor

IBM

Contact information

For outbound transfers:

NBCAccountTransf[email protected]

For inbound transfers:

NBCAccountTransfers.in@nbc.ca

For RESP transfers:

transfer.reee@nbcn.ca

Tel - 1-833-274-0344

Fax - Montreal: 514-875-3819

Account information

NBIN is divided as follows:

•

NBIN Montreal processes all account ranges for incoming

transfers except accounts for Industrielle Alliance Securities.

Contact Industrielle Alliance Securities directly at

accounttransfers@iagto.ca.

•

NBIN Montreal processes all account ranges for outgoing

transfers.

Account Type:

A - CDN Cash

•

The last character

determines the

unique NBIN

account. These

characters may mean

account different

types for other IBM

clients

B - USD Cash

E - CDN Margin

F - USD Margin

G - CDN Margin Short

H - USD Margin Short

J - Income Sweep

•

All foreign currency

accounts- except

USD- are not ATON

eligible and must be

processed as blue

dot transfers

N - LIRA/LRSP

O - Off Book - Mutual Fund Client held account

P - Locked-in (LIF/LRIF etc.)

R - Spousal RSP

S - RRSP

T - RIF

W - TFSA

X - Pledge/Collateral/Leverage Loan Account

Y - Spousal RIF

Z - RESP

USD RIFF 4

USD TFSA 6

USD RRSP 7

USD Spousal RRSP 8

USD Locked IN (LIF/LRIF) 9

CHAPTER 3 ATON PARTICIPANTS

ATON Dealer Best Practices Guide Release 9.11 Page 22

The following ATON operating practices are specific to NBIN:

3.8.1 Estate transfers. NBIN accepts request for transfers in ATON to settle estate

transfers (beneficiary) with the receipt of proper documentation.

3.8.2 IPP transfers. NBIN transfers outs accepts IPP to IPP transfers in ATON with the

receipt of proper documentation. Note: All other combinations will be blue-dotted.

3.8.3 Escrow or Pledged accounts. NBIN acts on escrow or pledged accounts with the

receipt of proper documentation.

Transfer Out Fee

Transfer fee may vary depending on the account range.

Odlum Brown

3.9 Odlum Brown

Vendor

Broadridge

Contact Information

Odlum Brown Limited

Transfer Department

PH: 604-669-1600 FAX: 604-844-5413

Account Information

All account numbers are 8 digits.

Starting with a 0 in the front.

Transfers are processed in Vancouver, BC

CDS CUID: OBLV

DTC: 5074

MF Dealer: 9195

Odlum Brown Fee Based Accounts: - For the fee based account at Odlum Brown,

the fees will be applied to the account when it is transferred, which may result in

having a debit balance transferred.

Transfer Fee charges: - Odlum Brown charges $120.00 + HST/GST for all full

outbound transfers.

Debits greater than $300: - Debits that are greater than $300 must be approved by

the Compliance Department.

Locked-in Agreements: - Odlum Brown will reject the transfer request if the locked

in agreement is not received with in 48 hours.

Residual Balance: - Odlum Brown processes residual transfers twice monthly (mid –

month and at month end).

Marriage Breakdown/Estate: - Accounts must be Blue Dot.

Rejected Mutual Fund Transfers: - If a mutual fund transfer is rejected by Odlum

Brown , powers of attorney are issued manually and delivered to the receiving firm.

Joint & In Trust Account: - For joint accounts and in trust accounts, the second SIN

must be indicated in the memo field.

CHAPTER 3 ATON PARTICIPANTS

ATON Dealer Best Practices Guide Release 9.11 Page 23

Joint Account to Individual Account: - Accounts held jointly at Odlum Brown which

are transferring to individual plans at the receiving institution, require copies of

transfer forms to ensure all parties are aware of transfer. If all parties have not signed

the transfer forms or Letter of Direction (LOD) the transfer will be rejected.

Informal Trusts of Minors: - If the account is held as an informal trust, all SIN’s (i.e.

the annuitant as well as the beneficiary) must be indicated in the memo field. Odlum

Brown will not process inbound or outbound transfers of In Trust for Minor accounts to

a non-in trust account, unless the non-trust account is in the name of the beneficiary

who has reached the age of majority.

Informal Trust account to a Formal Trust acct: - If the account is held as a informal

trust at Odlum Brown and is transferring to a Formal trust at the receiving institute, the

trust agreement along with the transfer form must be provided to avoid delays.

All Corporate Accounts: Hard copy should be faxed to Odlum Brown for all corporate

account transfers.

Peak Securities Inc.

3.10 Peak Securities Inc.

Vendor

RPM

Contact Information

PeakOperationsVMP@PeakGroup.com

Telephone: 514-844-6911

Fax: 514-844-3739

Address

2000 Rue Mansfield

Bureau 18th floor

Montreal Quebec

H3A 2Z5

Account Information

CDS CUID: PEAK/PEAV

DTC Participant: 5040

Raymond James

3.11 Raymond James

Vendor

Dataphile

Contact information

CDS CUID: MSLT

Inbound transfers: Email: transfersin@raymondjames.ca

Outbound transfers: Email: transfersout@raymondjames.ca

Fax: 604-654-1403

CHAPTER 3 ATON PARTICIPANTS

ATON Dealer Best Practices Guide Release 9.11 Page 24

Raymond James

Account information

Account numbers are eight characters in length, both alpha &

numeric. The seventh (7th) character represents the account type:

A= Cash CAD

B = Cash USD

C = COD CAD

D = COD USD

E = Margin CAD

F = Margin USD

K = TFSA

P = Pledge

R = RRSP

S = Spousal RRSP

T = RRIF

U = Spousal RRIF

V = PRIF

W = LIF

Y = RJF Stock Purchase Plan

Z = RESP

Account numbers where the eighth (8

) character is a “U”

represents a USD currency registered plan account type.

Account numbers where the first (1

) character is a “Z” represents

“client name” holdings with mutual fund companies. Contact the

respective mutual fund company.

Accounts under Raymond James & Associates are administered

by Raymond James Financial (US). Accounts under Raymond

James (USA) Ltd are administered by Pershing LLC as custodian.

Please contact these respective companies directly.

Fees

Transfer Out fees apply to all account types, both CAD and USD:

•

Full Transfer Out = $125.00 + applicable tax

Partial Transfer Out = $100.00 + applicable tax

Blue Dot/Manual

Outbound Transfers

Raymond James accepts transfer forms via fax or email.

Signature Guarantee is not required.

RFTs In Unconfirmed

(UNC) ATON status

Raymond James does not change the status of ATON RFT’s in

UNC status. The receiver must submit a New ATON RFT. If the

asset list Returned includes an asset(s) which are not acceptable

to the receiver, please change the RFT status to Rescind.

Residual Balances

Raymond James reviews accounts and will deliver Residual

balances twice a month; on or after the 15th and on or after the

25th, but before the last business day of the month.

CHAPTER 3 ATON PARTICIPANTS

ATON Dealer Best Practices Guide Release 9.11 Page 25

Informal Minor Trust

Accounts

Raymond James uses the SIN of the beneficiary. Indicate the

name and SIN of the beneficiary in the Memo field of the ATON

Header.

Raymond James does not permit transfers from the minor trust to

account(s) in the name(s) of the trustee(s). Transfers to a minor

trust with same beneficiary or an individual account in the name of

the beneficiary, when the individual has reached the age of

majority/legal age, are permitted.

RESP Transfer Forms

Raymond James only accepts Form Part A and B via fax, not

email.

RBC

3.12 RBC

Vendor

Broadridge

The following ATON operating practices are specific to RBC:

3.12.1 In kind holdings and assets. If a firm cannot hold assets in kind, RBC returns

the asset list with the following message in the MEMO field on the Asset Detail

screen: Security to be sold for cash proceeds. When the receiving firm confirms

the asset list as is, RBC sells the asset and transfers the cash. If the client did not

request sale of the asset, the receiving dealer disputes the asset and the transfer

status changes to unconfirmed. RBC then contacts the RBC branch to either

approve or not approve the removal of the asset from the account. This results in

the asset being re-added to or excluded from the asset list.

3.12.2 Restricted securities. Certain assets held at RBC, referred to as restricted

securities, cannot be transferred out in kind or in cash. For restricted securities,

the following message displays in the memo field on the Asset Detail screen:

Restricted asset – Will not be delivered. If a client is not aware of a restriction, they

will need to address this issue with the RBC Dominion Securities branch.

3.12.3 GICs. Investment confirmations or non-certificated issue confirmation letters and

powers of attorney are issued and delivered to the receiving firm. In addition to the

delivery ticket/panel, the delivering firm generating the GIC confirmations or NCI

confirmation letter and powers of attorney must provide the following information

on the GIC confirmation or NCI confirmation letter: issuer, certificate number,

investment amount (quantity), interest rate, interest frequency, issue date, maturity

date, and current registration.

RF Securities Clearing L.P.

3.13 RF Securities Clearing L.P.

Vendor

Dataphile

CHAPTER 3 ATON PARTICIPANTS

ATON Dealer Best Practices Guide Release 9.11 Page 26

Contact

information

CDS CUID: GMPT DTC:

5016

MF Dealer: 7673

E-mail: RWL-Accounttransfers@richardsonwealth.com

Fax: (416) 941-0813

Account Transfer Department Phone Number: 416-969-4703

Address: 145 King St. West, Suite 200, Toronto, ON M5H 1J8

Custodian for International Securities and Options – Fidelity Clearing

Canada

Account

information

The account numbers are 8 digits in length. The last digit (letter) identifies

the account type. RF Securities Clearing holds the CAD and US currencies

in separate account numbers.

A/B - CAD/USD Cash

Z – RESP

U – Spousal RRIF

E/F - CAD/USD Margin

R – RRSP

V – RRSP locked In

G/H - CAD/USD Margin

Short

S – Spousal

RRSP

W – Locked In

RRIF/RLIF

J – TFSA

T – RRIF

The following ATON operating practices are specific to RF Securities Clearing:

Outbound transfers

• Proprietary Products: Security names such as RPFL Kensington, RPFL Real Estate and

RPFL RFG are private equities that are non-transferable. The transfer must be requested as

partial indicating on the ATON memo field to leave the private equities behind.

• Managed Accounts: Final management fees must be charged prior to processing the transfer

request. This process may take an extra day or 2 to be completed.

• Address information: RF Securities Clearing will adopt the business practice agreed upon

on “Address Mismatch” Best Practice Process.

• Estate Transfers: RF Securities Clearing will process an Estate-to-Estate transfers on ATON

provided receipt of documentation. Final approval from Estate Processing Dept is required.

• IPP Transfers: RF Securities Clearing can process IPP to IPP transfers on ATON. A Copy of

the transfer form and a copy of the conditional / final approval letters from CRA confirming the

registration of the IPP under the Income Tax Act.

• Corporate Accounts: RF Securities Clearing requires to verify the signing officers of the

corporation. Please provide a copy of the transfer form or corporate resolution or indicate on

the ATON panel the authorized signatories of the corporation.

• Joint Account to Individual: RF Securities Clearing requires a copy of the transfer form to

verify that both or all parties signed off on the transfer out request.

• RRIF/SPRIF/LIF/LRIF: The final payment amount for the year is based on the option that the

client selected - minimum, maximum (LIF/LRIF accounts) or elected payments. For transfer

out requests where the account is NSF to pay the remaining RIF payment, the receiver must

CHAPTER 3 ATON PARTICIPANTS

ATON Dealer Best Practices Guide Release 9.11 Page 27

indicate on the ATON memo panel that they are able to accept the debit balance OR provide

the details of what assets to redeem; otherwise, the transfer will be rejected. On the rejected

RFT, RF Securities will provide the amount required to complete the final payment.

• RESP Accounts: Transfer out must be in full. RF Securities Clearing will reject partial

requests.

• Locked In agreements: RF Securities Clearing will adhere to the documented process on

ATON best practice guide (16.0 – 16.3 LIRA) for transfers of locked in accounts.

• Residual balances: residual transfers are processed twice monthly.

Scotia Capital

3.14 Scotia Capital

Vendor

Broadridge

Contact information

For transfers from Scotia McLeod, Scotia McLeod Direct

Investing, Trade Freedom or Scotiatrust/Cassels:

Account Transfers Service Desk

Telephone: 416-945-4524

Fax: 416-863-7518

ISS_Accounttransferservice@scotiacapital.com

Account information

N/A

The following ATON operating practices are specific to Scotia Capital:

3.14.1 In cash requests. Client is not contacted prior to taking market action.

3.14.2 Corrections to errors. Scotia does not reinstate or correct another firm's error

(some exceptions may apply).

3.14.3 Partial notices for mutual funds. If a partial notice is set up for a mutual fund transfer,

the number of units must be specified instead of the dollar value. If cash is to be used,

the gross amount should be requested, not the net amount.

3.14.4 Cash transfers. Scotia only transfers Pinnacle funds and Scotia Cassels PCUs in cash

(in kind transfers will be rejected by Scotia).

3.14.5 BNS cashable GICs. If a client has already taken a partial redemption and the request

for transfer is in kind, the GIC will not be reregistered and the issuer will reject the

request for re-registration. Upon receipt of the reject, firms must request the GIC in

cash. Scotia Capital cannot act upon the original in kind transfer and will not redeem

the GIC until they have received market action instructions from the receiving firm

and/or client.

3.14.6 RIF transfers. Scotia, depending on the amount of the debit/RRIF payment may reject

the request to send debit.

3.14.7 RFT in accepted (ACC) status. Scotia uses the ACC status when obtaining

approval from other departments or when market action is required. The reason will

be noted in the memo field in ATON.

3.14.8 Foreign securities and cash held in currencies other than Canadian or U.S.

dollars. ATON does not support transfers of assets with currencies other than

Canadian and U.S. dollars. If a delivering firm receives an ATON transfer request for

an account with assets in a non-ATON eligible currency, the deliverer must advise the

CHAPTER 3 ATON PARTICIPANTS

ATON Dealer Best Practices Guide Release 9.11 Page 28

receiver and request a copy of the transfer form with instructions for delivering these

non-Canadian and non-U.S. dollar assets.

If the receiving firm is able to accept non-Canadian and non-U.S. dollar assets, they

must provide a copy of the transfer form to the delivering firm.

If the receiving firm is not able to accept non-Canadian and non-U.S. dollar assets, the

deliverer must process a partial transfer or reject the request for transfer.

Scotia Securities Inc. (SSI) Dealer Services

3.15 Scotia Securities Inc. (SSI) Dealer Services

Vendor

RPM

Contact information

Transfer inquiries:

SCOS@scotiabank.com

Fax: 416-288-4455

Mailing Address: 4715 Tahoe Blvd, Mississauga, ON, L4W 0B4

Account information

SSI Dealer Account numbers: 15 numeric digits in length (include

all leading zeros). Example: 000000012367895

Products: SSI Dealer Accounts can hold the following products:

•

Cash – Canadian and U.S.

•

BNS mutual funds

•

Most third-party mutual funds

•

Scotiabank GIC products: these products are only transferable

to other financial institutions upon maturity. If requested, a

redeemable GIC can be transferred in cash.

RESP accounts: RESP accounts are not processed by SSI Dealer

Services. They are processed at the Scotiabank RESP Centre

through the local Scotiabank branch.

Transfer requests for RESP accounts are processed only at the

RESP centre through local branches and cannot be processed

through ATON.

TD Waterhouse

3.16 TD Waterhouse

Vendor

IBM

Contact information

Transfer Service line:

Telephone: 1-866-404-5517

Fax: 416-413-3517

1-877-397-2332

Account information

CDS CUID: GIST

TDW accounts are 7 digits in length with an Alpha in the 7th

position.

Transfer Fees for Partial and Full Transfers: $135 plus applicable

taxes.

CHAPTER 3 ATON PARTICIPANTS

ATON Dealer Best Practices Guide Release 9.11 Page 29

The following ATON operating practices are specific to TD Waterhouse:

Outbound Transfers:

3.16.1 Managed accounts Transfers (Private Investment Advice; Financial Planning

and Institutional Services Accounts): An extra 24 hours is required in order to

calculate fees prior to the account being transferred out.

3.16.2 TD E-series mutual funds cannot be transferred in kind.

3.16.3 TD 365 day or less term deposits cannot be transferred.

3.16.4 Estate transfers must be blue-dot.

3.16.5 Guarantee/Guarantor: Must be transferred together.

3.16.6 IPP and Marriage Breakdown Transfers: Prior to initiating these transfers on ATON,

documentation.

Inbound Transfers:

3.16.7 F Series Funds: Cannot be held in a Direct Investing Account (RR Code RM) or

Financial Planning Account (RR Code FP)

3.16.8 BTB Funds: Cannot be held in a Directing Investing Account (RR Code RM)

3.16.9 RRSP Accounts with USD Cash: TDW RRSP accounts cannot hold USD cash and

approval is required to convert to CDN Currency.

3.16.10 TFSA ACCOUNT: Cannot accept any SBIT (Small Business)

3.16.11 Segregated Funds: Cannot be held in a Direct Investing Account (RR Code RM)

3.16.12 Guarantee/Guarantor: TDW verifies both US and CDN accounts prior to accepting

the asset listing and will reject the entire transfer if approval not received for both USD

and CDN.

• It is the policy of TD to accept all assets when a full transfer is requested. If

there are situations whereby a Security cannot be accepted, the Delivering

Firm will be advised accordingly.

VMD Desjardins

3.17 VMD Desjardins

Vendor

IBM

CHAPTER 3 ATON PARTICIPANTS

ATON Dealer Best Practices Guide Release 9.11 Page 30

Contact information

For Desjardins Financial Services Firm (Desjardins Cabinet de

Services Financiers):

Desjardins Cabinet de Services Financiers Inc./ Placements

stratégiques

– Série de comptes : 45-##### à 49-#####

–

IDUC à la CDS : DESA

–

Fonds communs de placement et titres à revenus fixes

seulement

–

Adresse :

DCSF

Placements stratégiques

2, Complexe Desjardins

CP 900, succursale Desjardins

Montréal (Québec) H5B 1H5

– Téléphone : 514 286-3442 ou 1 877 286-3442

–

Courriel : requetes.ssc@desjardins.com

– Télécopieur : 514 987–7145 ou 1 877 987-7145

For Desjardins Securities (Valeurs Mobilières Desjardins) or

Disnat or Disnat Direct:

–

Account range: All other client accounts

–

CDS CUID: VMDM

–

IPBOSD / VPAGPP - 1 Complexe Desjardins

CP 800 Succursale Desjardins

Montréal Québec H5B 0B1

–

Gestion des transferts CC1820 HH06

– Telephone: 514-286-5889 or 1-877-286-5889

–

Fax: 514-842-4929

–

Email for account range 1,2,5,6 Disnat):

Transferts_disnat@desjardins.com

–

Email for all other account range (VMD):

Transferts_VMD@desjardins.com

For Fiducie Desjardins Private Management (Gestion privée

Fiducie Desjardins):

–

Account range: Numeric client accounts (no letters)

–

CDS CUID: DESM

–

IPBOSD / VPAGPP - 1 Complexe Desjardins

CP 800 Succursale Desjardins

Montréal Québec H5B 0B1

–

Gestion des transferts CC1820 HH06

– Telephone: 514-286-3442 or 1-877-286-3442

– Fax: 514-286-3123

The following ATON operating practices are specific to Desjardins:

3.17.1 Desjardins or Caisse Populaire GICs and term deposits are not transferable in

kind. The client must decide prior to initiating the transfer whether the GIC or term

deposit is going to:

CHAPTER 3 ATON PARTICIPANTS

ATON Dealer Best Practices Guide Release 9.11 Page 31

3.17.1.1 be cashed – this produces a mixed transfer request, or

3.17.1.2 remain with VMD Desjardins – the transfer should be initiated as a partial

account transfer.

3.17.2 Restricted accounts. If the client account is coded as restricted (i.e., group RSP,

compliance or legal issues), VMD’s transfer department must obtain written

authorization from their internal sectors prior to processing the transfer.

3.17.3 Guarantee and guarantor accounts. Both guarantee and guarantor transfer

requests require additional approvals from VMD’s internal sectors prior to

processing the transfer.

3.17.4 Debits greater than $300. For all asset lists which are returned with cash debits

greater than $300, VMD’s transfer department must obtain written authorization from

their internal sectors prior to processing the transfer.

3.17.5 Derivatives (options, calls and puts). VMD and Disnat accounts only. For all asset

lists containing a derivative product, VMD’s transfer department holds the matching

common stocks until all derivative products are accepted and transferred to the

receiving firm. The transfer of derivative products is processed by VMD’s derivatives

department.

Disclaimer: This document has been compiled utilizing information submitted from external sources.

Neither IIAC nor CDS can guarantee the completeness or accuracy of the information and neither

IIAC nor CDS may be held in any way liable or responsible for claims or damages of any kind

whatsoever resulting from use of the information.