Legal Note

Unclaimed Property

The provinces of British Columbia, Saskatchewan, Quebec, Nova Scotia and Newfoundland / Labrador all have laws pertaining to unclaimed property. For further details, please refer to those provinces’ websites.

Statement of Policies Respecting Conflicts of Interest

Securities regulations in Canada require all dealers and advisers to comply with certain rules in relation to conflicts of interest, particularly with respect to the disclosure of information in that regard.
Statement of Policies Respecting Conflicts of Interest

Accessibility for Ontarians with Disability Act (AODA)

At NBIN diversity and accessibility is part of our culture. It finds its expression in our officers’ and employees’ concrete actions and close relationships with the clients we serve. NBIN has documents aimed at promoting full access to customer service to people with disabilities. Our policy and procedure include the use of assistive measures offered to accommodate needs of people with disabilities.

These measures include information about:

• employee’s training on accessibility.
• the use of service animal and support persons within our premises.
• temporary disruptions and technical problems.
• the feedback process.

A copy of the documents can be provided upon request. Please address your request to NBIN Compliance. If you have a comment, concern or complaint about the manner in which we provide services to persons with disabilities, please do not hesitate to submit it to us. Our entire complaint process is available on NBC’s website at www.nbc.ca.

Making a Complaint

As an order-execution only dealer, NBF Inc., through its NBIN division, offers access to a broad range of investment services in addition to our core custodial services. It is therefore important to us to ensure that you feel comfortable contacting us whenever you have a question or comment concerning any of these services. However, if your account is managed on a discretionary basis by a registered Portfolio Manager, the responsibility for suitability of investments rests with them, and not with NBIN. Therefore, in such cases, you must contact your Portfolio Manager with respect to any complaint about unsuitable investments or the financial performance of your account.

Of course we welcome feedback about all of your experiences concerning your relationship with us, but should you have an unfavourable experience, we value the opportunity to improve our services offered. Your business and on-going relationship with NBIN are very important to us and the satisfaction of our clientele is very high on our list of priorities.

Please feel free to contact us via telephone or mail with your questions or comments. We invite you to speak to NBIN Compliance or to submit the details of your complaint in writing at the following address:

NBIN Compliance Department
The Exchange Tower, 130 King Street West
Suite 3000, PO Box 21 Toronto, ON M5X 1J9
416-542-2200

In order to allow us to analyse your complaint, please include the following details when you are contacting us:

• Your name, contact information, and account number as well as the particular circumstances and details of your complaint, notably, the date on which the event took place.
• All relevant documentation, including details of meetings and/or discussions following those meetings that might clarify the situation.

We will acknowledge the receipt of your complaint in writing within 5 business days, giving you the name and the contact information of the person analyzing the complaint. Should you have any questions concerning the progress of your file, we invite you to contact this person directly. Rest assured that we will do our utmost to settle your complaint fairly and quickly.

We will contact you in writing at the latest 90 days after our investigation begins detailing the results and conclusions of our inquiry as well as the options available to you if the problem has not been resolved to your satisfaction.