Scotia Capital Inc. (“ScotiaMcLeod”), Transfer ...

1 FOR USE BY RELINQUISHINGINSTITUTIONDELAY DELIVERY UNTILR egistered Plan Type: RSP LIRA LRSP RLSP RIF: Qualified Non Qualified LRIF LIF RLIF Pension TFSA Other PRIFS pousal Plan: No Yes - if yes:Locked In: No YesClientAuthorizationand AgreementPlease note: We require a copy of yourmost Use ByRelinquishingInstitution Only1961810 (10/10)Account/Policy Holder Last NameFirst NameInitialAddressCityProvincePostal CodeLast NameFirst NameSocial Insurance NumberSocial Insurance Number(s)Home Telephone NumberBusiness Telephone NumberFor funds transferred to a LIF/LRIF, have the appropriate spousal waiver and/or consent forms being signed? Yes - attached No - specify reason_____ Registered Trademark of The Bank of Nova Scotia .

2 Scotia Capital Inc.,The Bank of Nova Scotia Trust Company and Scotia Securities Inc. are authorized IdentificationRelinquishing Institution NameAddressCityProvincePostal CodeClient Account/Policy NumberGroup Plan Number (if applicable)Locked-In Funds$On what basis are the pension funds to be administered?Status of Plan Holder: Member/Annuitant Spouse of Member Former Spouse of MemberGoverning Legislation (province or territory - specify)Original Pension Plan NameInvestment Amount/Maturity DateInvestment DescriptionSymbol and/or Certificate No. or Policy NumberSymbol and/or Certificate No. or Policy NumberInvestment Amount/Maturity DateInvestment DescriptionIrrevocable Beneficiary: I consent to the Transfer of the of Irrevocable Beneficiary (if applicable)_____DateIn KindIn Cash Shares/Unit Dollars In KindIn Cash Shares/Unit Dollars Transfer : (check All in Kind All in Cash balance only as at date All assets*, but mixed in cash and in Partial*; see list below or one box only)(as is)Cash*of Transfer by Relinquishingkind.

3 See list below or check here check here if list attachedInstitution if list attached*Please refer to statement in bold in Client Authorization section below:DELAY DELIVERY UNTILI hereby request the Transfer of my account and its investments as described above. Please cancel all open orders ( , etc.) for myaccount on your books. * Where I have requested a Transfer in cash, I authorize the liquidation of all or part of my investments, as indicated. Iagree to pay any applicable fees, charges or adjustments as per disclosure related to this Transfer . Upon completion of this form, forward toapplicable address in the receiving institution section above. I understand and agree that any beneficiary designation(s) under the plan(s) from which thistransfer is made will not follow on this Transfer , and that I am solely responsible for providing the Receiving Institution with any beneficiary designation(s) I maywish to make under the plan(s) that I hold with the Receiving Institution.

4 I further understand and agree that the Receiving Institution denies any responsibilitywhatsoever for ensuring that I designate a beneficiary under the plan(s) to which this Transfer is made. Without limiting the generality of the foregoing, I understandand agree that the provisions of this paragraph apply regardless of whether this Transfer is between members of the Scotiabank group of Number( ) Fax Number( ) Contact based on Gender not based on GenderI have read the disclosure on reverse and authorize Transfer as of Account HolderDate SIGNATURE GUARANTEED The Bank of Nova Scotia Scotia Capital Inc. Scotia Securities Inc. The Bank of Nova Scotia Trust CompanyPER:Authorized SignatureDDMMYY1 - A/C Transfers or Customer Completed (For BNS Branches Only)2 - Branch (Holdout File) 3 - Relinquishing Institution 4 - CustomerAny subsequent Transfer of these locked-in funds to another trustee or financial institutionwill be made only to another registered plan which must continue to be administered inaccordance with legislation of the jurisdiction noted above.

5 No Transfer of locked-in fundswill be permitted unless the receiving plan is appropriately registered and in compliancewith the applicable pension legislation regulations and the Income Tax Act (Canada).Scotiatrust appears on the Superintendent s List of Financial Institutions authorized toadminister funds in the Jurisdiction noted Type: RSP RIF RLSP PRIF Spousal RSP Spousal RIF RLIF LRSP LIF TFSA LIRA LRIF OtherLocked-in Plan Transfer Acknowledgement Scotiabank, Scotia Securities Inc., and Scotia Capital Inc. as agents forScotiatrust, acknowledge that all locked-in funds from the registeredplan noted in the Client Direction to Relinquishing Institution sectionbelow, will be transferred to the registered plan type noted and willcontinue to be administered in accordance with the governingpension legislation or contractual conditions of_____Governing Legislation (province or territory - specify)Authorized SignatureDDMMYYG roup Plan Number (if applicable)Client Account/Policy NumberAdvisor/Relationship Manager/MFR NameAdvisor/MFR CodeDealer Account NumberReceivingInstitutionInformationFor Locked-inPlan use onlyScotia Capital Inc.

6 ScotiaMcLeod40 King St. West,Transit Box 4085, Station A, Scotia PlazaToronto, ON, M5W 2X6 ScotiaMcLeod Direct InvestingTransit Box 603 Toronto, ON, M1K 5C5 TradeFreedomTransit 515242001 McGill College, Suite 1319 Montreal, QC, H3A 1G1 Dealer Code: 9155 CLEAR STREAM #: 52065 FINS #: T085 DTC #: 5011 CUID #: SCOTR eceiving Address: Transit_____(Scotiabank, ScotiaMcLeod and Scotiatrust branches, ScotiaSecurities Inc.)_____ _____ Contact Phone No.:_____ Scotiatrust40 King St. West, Transit Box 4085, Station A, Scotia Plaza, Toronto, ON M5W 2X6 FINS #: T525 CUID #: BNSCDTC #: 4816 Intermediary code: BNSGA ssets for accounts managed by Scotia Asset Management be delivered/made payable to Scotiatrust.

7 Scotia Securities #: 7689 Scotiabank (DomesticRetail) BranchesTick if applicable New LIF Old LIF_____Record Current year s investment earningsto dateTransfer Authorization for Registered Investments(RSP, LIRA, LRSP, RIF, LRIF, LIF, RLIF)This form can be used for RSP to RSP transfers (except for transfers due to death and transfers due to maritalbreak-up), RSP to RIF transfers and RIF to RIF transfers and TFSA to TFSA note:The data entered on this form may be scanned and stored electronically. Please print neatlyin the spaces provided to ensure completeness, accuracy and machine Bank of Nova Scotia ( Scotiabank ) Scotia Capital Inc. ( ScotiaMcLeod ),( ScotiaMcLeod Direct Investing (SMDI) )( TradeFreedom ) Scotia Securities Bank of Nova ScotiaTrust Company ( Scotiatrust )CA63*CA63*Client Direction to RelinquishingInstitution GICs Mutual Funds OtherFor Locked-InIncome Plans Pay MaximumAnnual Paymentprior to transferIn our business we are dedicated to continually improving ClientService.

8 This Client Disclosure and informational document wasdeveloped to help you understand the account Transfer process. It isimportant to read this document carefully before signing the sectioncalled CLIENT AUTHORIZATION on this Account Transfer form. Shouldyou have any questions after reading this document, please be sure toaddress your enquiries with your Receiving Institution s is the difference between IN CASH and IN KIND ? IN CASH means that all your assets which are not currently held ascash are to be liquidated, sold, redeemed, etc. in order that youraccount can be transferred to the Receiving Institution in the form IS IMPORTANT TO NOTE THAT IF YOU HAVE INDICATED AN IN CASH Transfer OF YOUR ACCOUNT, ALL TRADES WILL BE EXECUTED AT THE MARKET.

9 ALL TRADES WILL BE PLACED ONA BEST EFFORTS BASIS SUBSEQUENT TO THE RECEIPT OF THETRANSFER FORM AND ARE SUBJECT TO NORMAL COMMISSIONCHARGES. IN ORDER TO AVOID DELAYS, YOU MAY PLACE THETRADES YOURSELF WITH THE RELINQUISHING INSTITUTION ATTHE TIME OF SIGNING THIS Transfer FORM. IN KIND means that you want the assets in the account transferred,as is. If you hold investments and a cash balance, then theinvestments will be transferred as well as the cash balance in theircurrent state, if the assets can be long will my Transfer take?The time required to Transfer the account will depend on the type ofasset you are transferring. Please note that all your assets may not betransferred at the same of Investment ProductsRegistered AccountsFor Stocks and BondsUnder current IDA guidelines, this type of Transfer generally takebetween 10 - 25 business days from the time of receipt by theRelinquishing Institution, subject to the exceptions below.

10 Non-IDAmember institutions may or may not observe similar Mutual FundsMutual Funds from other financial institutions (ATON) take 5 - 10business days from the time all necessary documentation is receivedby the Receiving Guaranteed Income Certificates (GICs)Often a Guaranteed Investment Certificate (including Term Deposits)is not transferable IN KIND (as is) prior to its maturity. Most GICscan be transferred in cash on their maturity. There are someexceptions, please check the terms and conditions with the Institutionwhich issued your GIC. Please note:Most Scotiabank Group issued GICs are readilytransferrable IN KIND within the In Accounts:These accounts generally take longer to Transfer , as additionaldocuments are required under various Provincial and Federal PensionLegislation in order for the Receiving Institution to administer theaccount.