Provide the Policyholder with the appropriate endorsement as follows:

Provide the Policyholder with the appropriate endorsement as follows:

Province
Alberta Required form - Form 6 - Pension Partner's Declaration to Give Up Minimum 60% Joint and Survivor Pension (annuity). Must be signed by spouse before money can be transferred to a LIF policy. Submit the consent form with the application.	Form 2
British Columbia Required form - Form 3 - Spouse's Consent to Transfer Locked-in Pension Funds to a LIF policy . Must be signed by spouse before money can be transferred to a LIF policy. Submit the consent form with the application.	PC 2804
Manitoba Forms: Form 4 - Consent to One-time Transfer of Manitoba Locked-in Money Request to Superintendent of Pensions for Written Notice Form 1701 - Spouse's/Common-Law Partner's Declaration to give up Minimum 66²/3% Joint and Survivor Pension from RPPs, LIRAs, LIFs and LRIFs. Must be signed by spouse before money can be transferred to a LIF policy. Submit the waiver form with the application. Application for a One-time Transfer Form for Unlocking due to Shortened Life Expectancy: Form 7 – Consent to Withdraw from LIRA, LIF or LRIF due to Terminal Illness or Disability	PC 6863 Form 4 Form Form 1701 PC 5727 Form 7
New Brunswick	PC 2957
Newfoundland & Labrador	PC 2941
Nova Scotia	PC 2958
Ontario Forms: Form 4.1 - Waiver of Survivor's Benefit from an Ontario Locked-in Account. Must be signed by spouse before money can be transferred to a LIF policy. Submit the waiver form with the application. Form 5 - Application to Withdraw or Transfer Money from an Ontario Locked-in Account Form 5.2 - Application to withdraw or transfer up to 50% of the money transferred into a Schedule 1.1 LIF after December 31, 2010 Form 5.3 – Application to a Financial Institution for a one-time Withdrawal or Transfer of up to 50% of the Money in an Ontario Schedule 1 LIF or LRIF – January 1, 2011 to April 30, 2012 Forms for Unlocking due to Financial Hardship: Form 6 - Financial Hardship Application for 2011 Form 6.1 – Low Income Financial Hardship Application for 2011	PC 6253 Form 4.1 Form 5 Form 5.2 Form 5.3 Form 6 Form 6.1
Quebec Required Forms for Temporary LIF Income Schedule 0.4 - Declaration of Annuitant (ages 54-64) Schedule 0.5 - Declaration of Annuitant (before age 54) Schedule 0.8 - Declaration of Annuitant (ages 54-64)	PC 2805
Federal (PBSA) Required Forms for Unlocking due to Financial Hardship: Form 1 - Attestation Regarding Withdrawal Based on Financial Hardship and Form 2 - Attestation(s) Regarding Spouse/Common-Law Partner Required Forms for Unlocking due to a Small Balance: Form 2 - Attestation(s) Regarding Spouse/Common-Law Partner and Form 3 - Attestation of Total Amount Held in Federally Regulated Locked-in Plans	PC 2842 Form 1 Form 2 Form 2 Form 3
Federal - Restricted Life Income Fund Required Forms for Unlocking due to a Small Balance: Form 2 - Attestation(s) Regarding Spouse/Common-Law Partner and Form 3 - Attestation of Total Amount Held in Federally Regulated Locked-in Plans Required Forms for Unlocking due to Financial Hardship: Form 1 - Attestation Regarding Withdrawal Based on Financial Hardship and Form 2 - Attestation(s) Regarding Spouse/Common-Law Partner Required Form for One-Time 50% Unlocking: Form 2 - Attestation(s) Regarding Spouse/Common-Law Partner	PC 6411 Form 2 Form 3 Form 1 Form 2 Form 2

LRIF is currently available in only one province. Provide the Policyholder with the appropriate endorsement as follows:

Provide the Policyholder with the appropriate endorsement:

Province
Manitoba Forms: Form 4 - Consent to One-time Transfer of Manitoba Locked-in Money Request to Superintendent of Pensions for Written Notice Form 1701 - Spouse's/Common-Law Partner's Declaration to give up Minimum 66²/3% Joint and Survivor Pension from RPPs, LIRAs, LIFs and LRIFs. Must be signed by spouse before money can be transferred to a Prescribed RIF policy. Submit the waiver form with the application. Application for a One-time Transfer	PC 6866 Form 4 Form Form 1701 PC 5727
Saskatchewan Required form Form 1 - Spouse's Consent to Transfer to a Registered Retirement Income Fund Contract . Must be signed by spouse before money can be transferred to a Prescribed RIF. Submit the consent form with the application. Additional forms Form 2 - Spouse's Waiver of Designated Beneficiary Status . Spouse may waive designated beneficiary status under a Prescribed RIF. Form 3 - Spouse's Waiver of 60% Post-Retirement Survivor Benefit (annuity). Spouse may waive entitlement to the post-retirement survivor benefit.	PC 4735

• Performance
• Forms
• Marketing Material
• Administrative Guideline
• Fund Reporting
• Financial Reporting
• Information Folder and Contract

• Tactical Asset Allocation:

– Ideal Portfolio
– Ideal Select Portfolio