Placing Orders

For every investment account, a simple phone call to one of our advisors who will take your order should be sufficient. At times, your signature may be required. The conversation will be recorded for your protection. Your authorization is always required for any change to your portfolio.

Execution of the orders

Avantages Services financiers will execute every order the same day as ordered unless it is submitted to an advisor after 2 pm.

Settling Transactions

In order to proceed with your investment, Avantages Services Financiers must have a cheque on hand. We can also proceed electronically with a properly completed client authorization form to withdraw the funds directly from your bank account. In the latter, a specimen/voided cheque is required.

Account Statements

Avantages Services Financiers issues its clients' statements on an annual basis. However, statements are available daily on our website: www.avantages.com

Fees

When opening an account at Avantages Services Financiers, there is a ONE-TIME set up fee of $50.00 + GST and QST. This is NOT an annual fee.

You may hold your RRSP directly with a mutual fund company without any fee. You also have the option to have a self-directed RRSP with our trust company, MRS. The fees for opening a self-directed registered account (RRSP, RRIF, LIRA or LIF) is $135.00 + GST . For a second self-directed account, fees are cut in half. These are annual fees payable directly to the trust company on April 30th of each year. Additional fees may apply and may be subject to change.

Remuneration

Advisors do not have a direct or indirect financial incentive in any customer's account. In other words they receive a fixed salary.

E-mail address

Avantages Service Financiers, may communicate with every customer if there is an important change in regulation concerning products or the market in general via email.

Private information

Avantages Services Financiers will act in compliance with the Security of Information Act. For obvious operational tax reasons, some information is communicated with the mutual fund companies as well as the trustee. (i.e. your social security number).

Client Identification and/or of the people authorized to give instructions

Securities regulations require us to verify of an original valid identification document which is not expired, issued by a provincial, territorial or federal government. Examples include:

• Driving license

• Passport

• Medicare Card

If the investor is not met in person, a certified (attested) copy of the identification card must be provided. A voided cheque and bank validation is also required.

Attestation(Certified) methods: Readable copy of an ID establishing that the original document identifying the individual was reviewed by a commissioner for oaths, a dentist, a medical doctor, a chiropractor, a judge, a lawyer, a notary, an optometrist, a pharmacist, an accountant, police officer, or an engineer. (The following information is mandatory: name, profession, phone number and a signature).