The Canada RSP is:
•easy to purchase •cashable at any time
•a no-fee investment •safe and secure
www.csb.gc.ca 1 877 899-3599
CANADA THE RSP
Payroll Savings Program
Save for the perfect retirement with the perfect retirement plan.
Application and Change Form inside
10RSPO8
CONTRIBUTION
LEVEL 10 YEARS 25 YEARS 40 YEARS
$101,063
$303,190
$606,379
$48,660
$145,980
$291,960
$15,226
$45,678
$91,355
$300
PER PAY
$150
PER PAY
$50
PER PAY
Amounts shown are approximate and are based on contributions every 2 weeks and a 3% return.
Actual returns will reflect applicable interest rates on individual CSB series held.
Invest in your future today.
The Canada Savings Bond and The Canada RSP.
Putting money away for retirement doesn’t have to be a complex process.
When you have the right investment and the right plan, saving for tomorrow can be as easy and comforting as enjoying a warm sunset at your prospective retirement retreat.
By purchasing The Canada Saving Bond (CSB) within The Canada RSP – a no-fee savings plan specifically designed to hold the CSB – you’ll make a secure investment every time you get paid. You will also enjoy tax-sheltered growth while your bonds remain within The Canada RSP.
The bonds you purchase will earn compound interest for the time they’re held in The Canada RSP. At the end of the day by investing in the Payroll Savings Program, your dreams of retirement will become much more of a reality.
Watch your savings grow.
Contribute as little as ten dollars per week to purchase your CSB within The Canada RSP.
$10
www.csb.gc.ca www.mybonds.gc.ca
> You’ll keep your money– you pay absolutely no fees to purchase, hold or redeem your bonds and your investment is fully backed by the Government of Canada;
> You’ll earn money– your bond’s interest rate is guaranteed for the announced period and may even go up;
> You’ll be kept up to date – you’ll receive semi-annual statements outlining your contributions and earnings.
Peace of mind and guaranteed results.
Together The Canada Savings Bond and The Canada RSP offer you sound investment benefits:
A comfortable retirement is just a few steps away.
To sign up, simply choose the amount you wish to invest per pay and complete the enclosed application form.
If you wish to increase the amount you’re currently contributing, simply complete the Payroll Deduction Change Form (on reverse).
Already own Canada Savings Bonds?
Contribute your existing CSBs to The Canada RSP by simply calling 1 877 899-3599. (Minimum transfer amount is $500 per series).
For more information
For more information, please visit our website at www.csb.gc.ca
Complete the enclosed application today!
Open a plan for yourself or your spouse.
Total payroll deduction amount per pay:
Please indicate how much – in total – you want deducted from each pay to cover bond purchases in all of your plans.
Your Current Contributions Your New Contributions
To revise the individual amount allocated to each of your plans call 1 877 899-3599. Otherwise your change will be pro-rated across all of your plans.
When you sign this form and return it to your employer, and when your employer communicates the above changes to the Bank of Canada, your agreement to purchase bonds will be amended accordingly, taking into account any reallocations you will have communicated to the Bank of Canada. All other terms of the agreement will remain in force. You understand that your employer will continue to make these payroll deductions unless you tell your employer otherwise.
Employee first name Middle name
Employee last name
Social Insurance Number Telephone (work)
Employee number (optional) Organization information (optional)
To increase or change your contribution amount, simply complete this form andreturn it to your payroll department today.Be sure to keep a photocopy for your records.
To buy a CSB as a gift you must open a new plan using an application form.
Grow your savings even faster! Contribute $10 or more per pay and see how quickly your savings add up.
Payroll Deduction
CHANGE FORM
*Only if you have an RRSP plan.
CSB
. 0 0
RRSP
. 0 0
*Total
. 0 0
CSB
. 0 0
RRSP
. 0 0
*Total
. 0 0
Employee signature YYYY MM DD
Declaration of Trust
In this declaration of trust:
■your planmeans The Canada RSP that you own
■youmeans the person named on this application as the owner of the plan. The owner is the annuitant of the plan as defined in subsection 146(1) of the Act
■the Trusteemeans The Canada Trust Company and its successor
■the Actmeans the Income Tax Act(Canada)
■applicable lawsmeans the Act and any provincial income tax legislation that applies to your plan
■investmentmeans any Government of Canada investment product eligible to be held in your plan
■spousemeans the individual recognized as the spouse under the Income Tax Actand shall include common-law partner as defined in the Act.
About this declaration of trust
The Trustee agrees to act as the trustee for your plan under the terms described below.
What the Trustee will do under your plan
The Trustee will apply for registration of your plan as a Registered Retirement Savings Plan (RRSP) under the Act. Your plan and this declaration of trust are governed by the Act and any provincial laws that may apply. The Trustee will comply with all applicable laws.
The Trustee’s responsibilities
You authorize the Trustee to appoint an agent to provide such services and assistance as the Trustee requires. The Trustee is ultimately responsible for the administration of your plan. However, they will not be liable for anything they do or fail to do unless it is the result of their own gross negligence, willful misconduct, or acting in bad faith. In the case of any liability connected to your plan, your recourse is limited to the investments in your plan. The Trustee is not liable if any of the investments in your plan are not qualified or become unqualified for an RRSP under the applicable laws.
Except as permitted under paragraph 146(2)(c.4) of the Act, the Trustee will not extend to you or any person with whom you deal at non-arm’s length any advantage or loan that is conditional in any way on the existence of your plan.
Your plan
The Trustee will open and maintain a plan in your name. You certify that your date of birth on the application is accurate. The Trustee agrees to hold on deposit any cash and investments you contribute or transfer to your plan, as well as any interest your plan earns.
The Trustee will send you any documentation required under applicable laws.
At least once a year, they will send you a statement showing the investments in your plan.
Investments
The Trustee will invest in the investments as you directed. If this is not possible, the Trustee will invest in the investments that are, in their sole discretion, most similar to the ones you directed. If necessary, they may hold your contributions and transfers to your plan in a non-interest bearing trust account until the transaction is completed.
The Trustee will give you notice when any investments in your plan are to mature. They will automatically reinvest the proceeds in the next available investment, unless you give them written instructions on or before such maturity. If more than one type of investment is available, they will reinvest the proceeds in the investment that is, in their sole discretion, most similar to the one that matured.
Taxes
The Trustee will pay out of your plan any taxes or other assessments that may be due under any applicable laws. When you make a withdrawal from your plan, they may withhold any taxes, penalties, or assessments that you owe.
They will also withhold additional income tax if you tell them in writing. Any withdrawals from your plan are subject to income tax in the year they are withdrawn.
If you ask the Trustee in writing, they will redeem some of the investments in your plan and pay the taxpayer the amount of money to reduce the amount of tax which would otherwise have to be paid under Part X.1 of the Act. This section of the Act covers what happens if contributions exceed the amount allowed by law to RRSPs.
Changes to your plan
The Trustee can make changes to your plan or this declaration of trust if they get the consent of the Minister of National Revenue and, if required, any provincial tax authorities who have jurisdiction. They will give you at least 30 days prior written notice, unless such changes are necessary for your plan to be in compliance with the applicable laws. They will not make any changes to your plan if the changes would disqualify it as an RRSP.
What you can do under your plan
Contributions and transfers to your plan
You may contribute or transfer cash or investments to your plan until the date your plan matures. You are responsible for making sure that your contributions are not more than the maximum amount you are allowed to contribute.
Withdrawals and transfers out of your plan
Subject to the terms and conditions of your investments, you may withdraw all or part of the cash and investments in your plan or transfer them to another registered plan. The Trustee may only make payments or transfers that are allowed under the applicable laws. Withdrawals may be done by telephone or in writing. You must give them verbal or written instructions and any other documents they may require. If you do not tell them which investments you would like to cash or transfer, they will choose, in their sole discretion, the appropriate investments.
You may also tell the Trustee in writing to transfer all or part of the investments in your plan to a RRIF or RRSP of your spouse or former spouse if the investments have been awarded as part of a division of property between the two of you arising out of marriage or relationship breakdown. In this case, you must give the Trustee details of the division of property by providing a written separation agreement or a decree, order or judgement from a court with the proper authority.
The Trustee will process your requests in a timely manner. No interest is paid on any amounts you withdraw from your plan after the date that the Trustee processes the withdrawal request.
What happens when your plan matures
Your plan automatically matures on the last business day of the year in which you reach age 71, unless a different age is specified in the applicable laws. You may transfer your plan to a retirement income plan allowed under the Act, such as a Registered Retirement Income Fund (RRIF), purchase an annuity, which will result in payments that are equal and at least annual, or cash out your plan and pay taxes on the proceeds, any time up to the maturity date of the plan by giving the Trustee reasonable notice in writing. If you choose to convert your plan to a retirement income plan, the company you choose must be authorized to issue retirement income plans under the Act.
The Trustee will send you a plan maturity notice at least 90 days prior to maturity. If you do not give them your instructions by the maturity date, they will do one of the following:
■if the value of your plan is less than $500, they will deduct any taxes and pay you the balance of your plan, or
■if the value of your plan is $500 or more, they will convert your plan to The Canada RIF and pay you a retirement income on an annual basis starting in December of the year after your plan matures.
You may receive retirement income in any form that is permitted by the Act, subject to the following:
■you and, where applicable, your spouse agree to give the Trustee any proof of age and any other information they may require to pay you a retirement income
■you will only receive your retirement income until all the money has been paid
■you cannot assign all or part of your retirement income to someone else
■if you elected for the continuation of retirement income after your death, the aggregate annual amount of retirement income payable for any calendar year after your death shall not exceed the aggregate amount of retirement income payable for any calendar year before your death
■your retirement income shall be commuted to the extent that it becomes payable to a person other than you or your spouse.
What happens if you die
If you die before your plan matures, the Trustee will pay the balance of your plan to your beneficiary, if there is one, or to your estate. Once they receive proof of your death and any other documents they may require, they will redeem the investments in your plan, deduct any taxes, and pay the balance in a lump sum.
When allowed by applicable laws and by telling the Trustee in writing, you may:
■name a beneficiary to receive the value of your plan, and
■change your beneficiary at any time.
What happens if the Trustee stops acting as trustee
If the Trustee merges with another corporation or another corporation acquires most or all of their trust business, that corporation will automatically become the new trustee as long as your plan continues to qualify as an RRSP.
If the Trustee resigns or is replaced as trustee, a new trustee may be appointed by the Bank of Canada and the Trustee will deliver the investments held in your plan and your records to the new trustee.
Giving notices
You may send any instructions to the Trustee in writing by delivering or mailing them to their head office. Your notice of the instructions will be deemed to be delivered on the day the Trustee receives it.
The Trustee will send any notices to you at the address on this application or the most recent address shown in their records. Their notice will be deemed to be delivered on the day they mail it.
Privacy
The Trustee will collect, use and disclose personal information to establish and service your fund, as required or permitted by law and as disclosed in the Trustee’s privacy policy. The Trustee may, from time to time, disclose or transfer personal information given to it by you. By applying for your plan, you are consenting to these collections, uses and disclosures. The Trustee’s privacy policy is available on request from any of the Trustee’s offices.
Terms and Conditions
Canada Savings Bonds (CSBs) purchased pursuant to the Payroll Savings Program are subject to terms and conditions approved by the Minister of Finance, which are summarized below.
In these terms and conditions:
■bonds mean the series of compound interest CSBs on sale through the Payroll Savings Program on the date youcomplete the application form and purchased pursuant to that form;
■youmeans the purchaser of the bonds; and
■Trusteemeans The Canada Trust Company and its successor.
Buying bonds
Youmay only buy bondswith Canadian currency and in whole dollar amounts subject to the minimum and maximum purchase amounts per regular payroll deductions.
The minimum purchase amounts for each regular payroll deduction per type of registration are as follows:
■$10 if youare paid once a week;
■$20 if youare paid every two weeks or twice a month; and
■$40 if youare paid once a month.
Regardless of how often youare paid, the maximum purchase amount for each regular payroll deduction is $9,999.00.
Unless youhave told your employer otherwise and your employer transmitted your new instructions to the Bank of Canada and/or youprovided them directly to the Bank of Canada, youwill have bought bonds according to the instructions youhave correctly written on the application form as of the date the Bank of Canada receives your regular payroll deductions from your employer.
The Bank of Canada will calculate an annual amount based on the frequency and periodic amount that youhave specified and that your employer has transmitted. Youcan stop or change the amount of bonds youpurchase within this annual amount. In the event youhad stopped your purchase of bonds, youcan also restart your purchase. If the change in the purchase amount brings the total purchase above the annual amount, the Minister of Finance may order a person to redeem the bondspurchased above the annual amount.
No further interest will be earned on bondsthat the Minister has ordered to be redeemed.
The Minister of Finance may end the sale of CSBs at any time.
Who can own bonds
Only Canadian residents may own bonds.
Bondsmay be registered in the following manner:
■in the name of an individual, whether adult or minor (please refer to Transferring and assigning bondsbelow);
■in the name of the trust governed by The Canada RSP as long as the beneficial owner of the trust is eligible to have a Registered Retirement Savings Plan (RRSP); or
■in the name of the trust governed by The Canada RIF as long as the beneficial owner of the trust is eligible to have a Registered Retirement Income Fund (RRIF) (please refer to Transferring and assigning bondsbelow).
The bondshave no certificates.
The maximum amount of principal that a person may own per series and per type of registration of CSBs is $500,000. A person may own CSBs above this limit if they are purchased with the proceeds of a maturing series, or because the person received them upon the death of the owner or a co-owner.
Otherwise, the Minister of Finance may order a person to redeem the CSBs in excess of the maximum limit. No further interest will be earned on the amount of CSBs owned above this limit after the Minister’s order to redeem.
The Minister of Finance may change the $500,000 maximum ownership limit at any time.
If there is any doubt whether a person is eligible to own CSBs and how they may be registered, the Minister of Finance has the right to make the final decision.
Compound interest bonds
Bondsearn interest daily based on the daily closing balance, until the earlier of maturity and redemption, at the rates determined by the Minister of Finance. In addition to simple interest, bondsearn compound interest daily at the rates determined by the Minister of Finance until the earlier of maturity and redemption based on the interest earned on each annual anniversary of the issue date prior to maturity. Any compound interest will be paid at the time of redemption (please refer to Redeeming bondsbelow).
Exchanging bonds
Bondscannot be exchanged for other Government of Canada investment products.
Transferring and assigning bonds
Subject to applicable laws and in a manner acceptable to the Bank of Canada, bondsmay only be transferred and assigned in the following cases:
■to The Canada RSP or to The Canada RIF;
■from The Canada RSP or The Canada RIF to the beneficial owner or, upon the death of the beneficial owner, to the beneficiary thereof;
■to a beneficiary, estate, or trustee under a will if the owner dies or from the estate or the trustee to the beneficiary thereof; or
■where they are to be pledged to Her Majesty in right of Canada as security for any purpose.
The minimum amount that may be transferred and assigned for each type of registration is the lesser of $100 and the balance in bondsprovided that for bondstransferred and assigned to The Canada RSP that are not from The Canada RIF, the minimum amount that may be transferred and assigned for each type of registration is $500.
Redeeming bonds
Bondsmay be redeemed by the owner at any time after 15 days following the date they were purchasedby writing to the Trustee.
For each type of registration, not less than the balance in bondsmay be redeemed prior to the three months following the issue date. At other times, the minimum amount that may be redeemed for each type of registration is the lesser of $100 and the balance in bonds. The amount redeemed will be comprised of both principal and interest.
No interest is earned on any bondsredeemed prior to the three months following the issue date.
Errors
Neither the Bank of Canada nor the Minister of Finance will be responsible for any errors or omissions in any correspondence, statements, or receipts sent unless the Bank of Canada is advised in writing of such error or omission within 30 days.
Correspondence
Regular statements will be sent to the address shown on record. A bond maturity notice will also be sent to this address, at least 30 days prior to maturity.
A REMINDER ABOUT THE PAYROLL SAVINGS PROGRAM
Unless you, the purchaser, tell your employer otherwise and your employer transmits your new instructions to the Bank of Canada and/or you provided instructions directly to the Bank of Canada, your regular payroll deductions will continue in future years to purchase new series of similar CSBs, according to the instructions you have correctly written on the application form.
Contacting the Trustee
Canada Savings Bonds Registered Products P.O. Box 2390, Station D Ottawa, ON
K1P 1K8 1 877 899-3599
1 800 354-2222 (TTY/Teletypewriter)
Contacting the Bank of Canada
Canada Savings Bonds P.O. Box 2770, Station D Ottawa, ON
K1P 1J7 1 877 899-3599
1 800 354-2222 (TTY/Teletypewriter) www.csb.gc.ca
To be used by the employer Réservé à l’employeur
Employee no. N° de l’employé Organization information Renseignements sur l’organisme Organization IDId. de l’organisme
1. Who is the employee buying these bonds? Quel employé achète ces obligations?
First namePrénom Middle nameAutres prénoms
Last nameNom de famille
Social insurance numberNuméro d’assurance sociale Date of birth (y/m/d) Date de naissance (a/m/j)Street number and name, R.R. or P.O. Box Numéro et rue, R.R. ou C.P. Apt.App.
CityVille Province Postal codeCode postal
Telephone (home)Téléphone (résidence) Telephone (work)Téléphone (bureau) Language of choiceLangue de correspondance
( ) ( )
2. Who will be the owner of this RSP? Qui sera le propriétaire de ce RER?
You, the employee – you don’t need to provide the information below. Tax receipts will be issued to you.
Vous l’employé - vous n’avez pas à fournir les renseignements ci-dessous. Les reçus d’impôt pour les cotisations seront émis à votre nom.
Your spouse – please complete this section. Tax receipts will be issued to your spouse naming you as contributor.
Votre conjoint – veuillez remplir cette section. Les reçus d’impôt, vous nommant en tant que cotisant, seront émis au nom de votre conjoint.
Spouse’s first namePrénom du conjoint Spouse’s middle nameAutres prénoms du conjoint
Spouse’s last nameNom de famille du conjoint
Social insurance numberNuméro d’assurance sociale Date of birth (y/m/d) Date de naissance (a/m/j)Telephone (home)Téléphone (résidence) Telephone (work)Téléphone (bureau) Language of choiceLangue de correspondance
( ) ( )
3. Who will be the beneficiary of this RSP? Qui sera le bénéficiaire de ce RER?
First namePrénom
Last nameNom de famille Relationship to ownerLien avec le propriétaire 4. How much would you like deducted from each pay? Quel montant désirez-vous faire retenir de chaque paie?How much would you like deducted from each payto invest in bonds in this plan?
Quel montant désirez-vous faire retenir de chaque paiepour être investi dans des obligations détenues dans ce régime?
How often are you paid? Quelle est la fréquence de versement de votre salaire?
5. Owner’s signature (as indicated in section 2) Signature du propriétaire (comme indiqué à la section 2)
By signing here, you confirm that you have read and accept the owner’s agreement on the back of this form.
En signant ici, vous confirmez que vous avez lu et que vous acceptez la convention du propriétaire décrite au verso de ce formulaire.
Signature
6. Purchaser’s signature Signature de l’acheteur
By signing here, you confirm that you have read and accept the purchaser’s agreement on the back of this form. You understand your employer will continue to make these payroll deductions unless you tell your employer otherwise.
En signant ici, vous confirmez que vous avez lu et que vous acceptez la convention de l’acheteur décrite au verso de ce formulaire. Vous comprenez que votre employeur continuera à faire ces retenues sur votre salaire à moins que vous ne l’ avisiez du contraire.
Signature
English Anglais
French Français
X X
X X
X X
Once a weekUne fois par semaine
Every two weeks Toutes les deux semaines
Twice a month Deux fois par mois
Once a month Une fois par mois
Complete this application form to buy bonds in an RSP.
Veuillez remplir ce formulaire pour acheter des obligations dans un RER.
$ . 0 0
OR/OU
A social insurance number is required by income tax legislation and, if you are the owner, your date of birth.
La législation fiscale exige votre numéro d’assurance sociale et, si vous êtes le propriétaire, votre date de naissance.
English Anglais
French Français
X X
X X
By initialling the box below, you confirm that we may use the details on this form to give you additional information about Government of Canada investment products.
En apposant vos initiales dans la case à droite, vous confirmez que nous pouvons utiliser les renseignements fournis sur ce formulaire pour
vous faire parvenir des renseignements supplémentaires au sujet des produits de placement du gouvernement du Canada.
Date you signed this form (y/m/d) Date de signature de ce formulaire (a/m/j)
InitialsInitiales
By initialling the box below, you confirm that we may use the details on this form to give you additional information about Government of Canada investment products.
En apposant vos initiales dans la case à droite, vous confirmez que nous pouvons utiliser les renseignements fournis sur ce formulaire pour
vous faire parvenir des renseignements supplémentaires au sujet des produits de placement du gouvernement du Canada.
Initials Initiales
Date you signed this form (y/m/d) Date de signature de ce formulaire (a/m/j)
Bank of Canada copy Copie de la Banque du Canada
A social insurance number and date of birth are required by income tax legislation.
La législation fiscale exige que le numéro d’assurance sociale et la date de naissance soient inscrits.
PSPRSP/08
Filename: 85006_BOC_RSPAppForm
Size: 8.5" x 14.5" Colours: Black + PANTONE 183 C
Protected B (when completed) Protégé B (une fois rempli)
85006_BOC_RSPAppForm.qxd 3/27/08 4:49 PM Page 1
Owner’s agreement Convention du propriétaire
You have received, read and agree to the Terms and Conditions provided with this form and agree to the series number and interest rate(s) of the bonds that have been determined by the Minister of Finance to be available for purchase on the date you sign and return this form. The series number and interest rate(s) of these bonds may be obtained from the employer, www.csb.gc.ca or by calling 1 877 899-3599. When you sign this form, you agree with the Trustee (The Canada Trust Company and its successor) that:
If this is a new RSP:
you have received, read and agree to the Declaration of Trust provided with this form, and you instruct the Trustee to hold your bonds as set out in the Declaration of Trust.
you instruct the Trustee to apply to register The Canada RSP as a Registered Retirement Savings Plan under the Income Tax Act (Canada) and any provincial income tax legislation that may apply.
you instruct the Trustee to buy bonds according to the instructions you have correctly written on the front of this form as at the date the Bank of Canada receives the employee’s regular payroll deduction from the employer, subject to such changes in deduction amount as the employee may instruct the employer to make and which the employer communicates to the Bank of Canada.
If you already have The Canada RSP:
you instruct the Trustee to buy bonds according to the instructions you have correctly written on the front of this form as at the date the Bank of Canada receives the employee’s regular payroll deduction from the employer and to hold the bonds in your existing RSP, subject to such changes in deduction amount as the employee may instruct the employer to make and which the employer communicates to the Bank of Canada.
You understand that the owner is the person intended to receive the benefits out of the plan.
You understand that you are responsible for knowing the amount that you are allowed to contribute to an RSP each year.
You understand that any withdrawals from your RSP may be taxable income under theIncome Tax Act(Canada) and any provincial income tax legislation that may apply.
You acknowledge that the Bank of Canada and the Trustee each have access to the information on this form.
Purchaser’s agreement
When you sign this form and your employer returns it to the Bank of Canada, you confirm that:
You authorize your employer to make regular deductions from your pay to invest in bonds within the RSP according to the instructions you have correctly written on the front of this form.
You understand your employer will continue to make these payroll deductions unless you tell your employer otherwise.
You have received, read and agree to the Terms and Conditions provided with this form and agree to the series number and interest rate(s) of the bonds that have been determined by the Minister of Finance to be available for purchase on the date you sign and return this form. The series number and interest rate(s) of these bonds may be obtained from your employer,
www.csb.gc.ca or by calling 1 877 899-3599.
You are aware that while Canada Savings Bonds have a 10-year term to maturity, interest rates are often announced for a shorter period and remain in effect for that announced period. At the end of that period, new rates will be announced by the Minister of Finance based on the then prevailing market conditions.
Vous avez reçu, lu et vous acceptez les Modalitésfournies avec ce formulaire. Vous confirmez d’autre part que vous avez pris connaissance des obligations portant le numéro d’émission et le ou les taux d’intérêt établis par le ministre des Finances, lesquelles obligations seront disponibles à l’achat à la date où vous aurez signé et retourné le formulaire. Le numéro d’émission et le ou les taux d’intérêt en question peuvent également être obtenus auprès de l’employeur, sur le site Web www.oec.gc.ca ou par téléphone au 1 877 899-3599. En apposant votre signature sur ce formulaire, vous convenez avec le fiduciaire (La Société Canada Trust et son successeur) que :
S’il s’agit d’un nouveau RER :
vous avez reçu, lu et que vous acceptez l’Acte de fiducie fourni avec ce formulaire et demandez au fiduciaire de garder vos obligations selon les dispositions de l’Acte de fiducie.
vous demandez au fiduciaire d’obtenir l’enregistrement pour Le RER du Canada comme étant un régime enregistré d’épargne-retraite, conformément à la Loi de l’impôt sur le revenu (Canada) et à toute législation fiscale provinciale applicable.
vous demandez au fiduciaire d’acheter des obligations selon les directives inscrites correctement au recto de ce formulaire, à la date où la Banque du Canada reçoit la retenue salariale périodique de l’employé, sous réserve de tout changement que l’employé a demandé à l’employeur d’effectuer au montant retenu de chaque paie et que l’employeur aura communiqué à la Banque du Canada.
Si vous êtes déjà propriétaire du RER du Canada :
vous demandez au fiduciaire d’acheter des obligations selon les directives inscrites correctement au recto de ce formulaire, à la date où la Banque du Canada reçoit la retenue salariale périodique de l’employé et de garder vos obligations dans Le RER du Canada que vous détenez déjà, sous réserve de tout changement que l’employé a demandé à l’employeur d’effectuer au montant retenu de chaque paie et que l’employeur aura communiqué à la Banque du Canada.
Il est entendu que le propriétaire est l’individu désigné à recevoir les prestations du régime.
Il est entendu que vous êtes responsable de connaître le montant que vous pouvez verser à un RER chaque année.
Il est entendu que tout retrait provenant de votre RER peut être considéré comme un revenu imposable en vertu de la Loi de l’impôt sur le revenu(Canada) et de toute loi fiscale provinciale applicable.
Vous reconnaissez que la Banque du Canada et le fiduciaire ont accès aux renseignements fournis sur ce formulaire.
Convention de l’acheteur
En apposant votre signature sur ce formulaire et lorsque votre employeur le retourne à la Banque du Canada, vous confirmez que :
Vous autorisez votre employeur à prélever des retenues régulières de votre salaire et à investir celles-ci dans des obligations détenues dans le RER, selon les directives inscrites correctement au recto de ce formulaire. Vous comprenez que votre employeur
continuera à faire ces retenues sur votre salaire à moins que vous ne l’avisiez du contraire.
Vous avez reçu, lu et que vous acceptez les Modalitésfournies avec ce formulaire. Vous confirmez d’autre part que vous avez pris connaissance des obligations portant le numéro d’émission et le ou les taux d’intérêt établis par le ministre des Finances, lesquelles obligations seront disponibles à l’achat à la date où vous aurez signé et retourné le formulaire. Le numéro d’émission et le ou les taux d’intérêt en question peuvent également être obtenus auprès de votre employeur, sur le site Web www.oec.gc.ca ou par téléphone au 1 877 899-3599.
Vous prenez conscience du fait que les taux d’intérêt annoncés pour les Obligations d’épargne du Canada portent souvent sur une plus courte période que le terme de 10 ans de celles-ci.
À la fin de ladite période, le ministre des Finances annoncera de nouveaux taux en fonction de la conjoncture du moment.
The personal information provided on this form is protected under the provisions of the PRIVACY ACTand will be used only for the purposes for which it was collected.
Les renseignements personnels fournis sur ce formulaire sont protégés en vertu de la Loi sur la protection des renseignements personnelset ne seront utilisés que dans le but pour lequel ils ont été recueillis.
85006_BOC_RSPAppForm.qxd 3/27/08 4:49 PM Page 2
To be used by the employer Réservé à l’employeur
Employee no. N° de l’employé Organization information Renseignements sur l’organisme Organization IDId. de l’organisme
1. Who is the employee buying these bonds? Quel employé achète ces obligations?
First namePrénom Middle nameAutres prénoms
Last nameNom de famille
Social insurance numberNuméro d’assurance sociale Date of birth (y/m/d) Date de naissance (a/m/j)Street number and name, R.R. or P.O. Box Numéro et rue, R.R. ou C.P. Apt.App.
CityVille Province Postal codeCode postal
Telephone (home)Téléphone (résidence) Telephone (work)Téléphone (bureau) Language of choiceLangue de correspondance
( ) ( )
2. Who will be the owner of this RSP? Qui sera le propriétaire de ce RER?
You, the employee – you don’t need to provide the information below. Tax receipts will be issued to you.
Vous l’employé - vous n’avez pas à fournir les renseignements ci-dessous. Les reçus d’impôt pour les cotisations seront émis à votre nom.
Your spouse – please complete this section. Tax receipts will be issued to your spouse naming you as contributor.
Votre conjoint – veuillez remplir cette section. Les reçus d’impôt, vous nommant en tant que cotisant, seront émis au nom de votre conjoint.
Spouse’s first namePrénom du conjoint Spouse’s middle nameAutres prénoms du conjoint
Spouse’s last nameNom de famille du conjoint
Social insurance numberNuméro d’assurance sociale Date of birth (y/m/d) Date de naissance (a/m/j)Telephone (home)Téléphone (résidence) Telephone (work)Téléphone (bureau) Language of choiceLangue de correspondance
( ) ( )
3. Who will be the beneficiary of this RSP? Qui sera le bénéficiaire de ce RER?
First namePrénom
Last nameNom de famille Relationship to ownerLien avec le propriétaire 4. How much would you like deducted from each pay? Quel montant désirez-vous faire retenir de chaque paie?How much would you like deducted from each payto invest in bonds in this plan?
Quel montant désirez-vous faire retenir de chaque paiepour être investi dans des obligations détenues dans ce régime?
How often are you paid? Quelle est la fréquence de versement de votre salaire?
5. Owner’s signature (as indicated in section 2) Signature du propriétaire (comme indiqué à la section 2)
By signing here, you confirm that you have read and accept the owner’s agreement on the back of this form.
En signant ici, vous confirmez que vous avez lu et que vous acceptez la convention du propriétaire décrite au verso de ce formulaire.
Signature
6. Purchaser’s signature Signature de l’acheteur
By signing here, you confirm that you have read and accept the purchaser’s agreement on the back of this form. You understand your employer will continue to make these payroll deductions unless you tell your employer otherwise.
En signant ici, vous confirmez que vous avez lu et que vous acceptez la convention de l’acheteur décrite au verso de ce formulaire. Vous comprenez que votre employeur continuera à faire ces retenues sur votre salaire à moins que vous ne l’ avisiez du contraire.
Signature
English Anglais
French Français
X X
X X
X X
Once a weekUne fois par semaine
Every two weeks Toutes les deux semaines
Twice a month Deux fois par mois
Once a month Une fois par mois
Complete this application form to buy bonds in an RSP.
Veuillez remplir ce formulaire pour acheter des obligations dans un RER.
$ . 0 0
OR/OU
A social insurance number is required by income tax legislation and, if you are the owner, your date of birth.
La législation fiscale exige votre numéro d’assurance sociale et, si vous êtes le propriétaire, votre date de naissance.
English Anglais
French Français
X X
X X
By initialling the box below, you confirm that we may use the details on this form to give you additional information about Government of Canada investment products.
En apposant vos initiales dans la case à droite, vous confirmez que nous pouvons utiliser les renseignements fournis sur ce formulaire pour
vous faire parvenir des renseignements supplémentaires au sujet des produits de placement du gouvernement du Canada.
Date you signed this form (y/m/d) Date de signature de ce formulaire (a/m/j)
InitialsInitiales
By initialling the box below, you confirm that we may use the details on this form to give you additional information about Government of Canada investment products.
En apposant vos initiales dans la case à droite, vous confirmez que nous pouvons utiliser les renseignements fournis sur ce formulaire pour
vous faire parvenir des renseignements supplémentaires au sujet des produits de placement du gouvernement du Canada.
Initials Initiales
Date you signed this form (y/m/d) Date de signature de ce formulaire (a/m/j)
Employer’s copy / Employee’s copy Copie de l’employeur / Copie de l’employé
A social insurance number and date of birth are required by income tax legislation.
La législation fiscale exige que le numéro d’assurance sociale et la date de naissance soient inscrits.
PSPRSP/08
Protected B (when completed) Protégé B (une fois rempli)
85006_BOC_RSPAppForm.qxd 3/27/08 4:49 PM Page 3
Owner’s agreement Convention du propriétaire
You have received, read and agree to the Terms and Conditions provided with this form and agree to the series number and interest rate(s) of the bonds that have been determined by the Minister of Finance to be available for purchase on the date you sign and return this form. The series number and interest rate(s) of these bonds may be obtained from the employer, www.csb.gc.ca or by calling 1 877 899-3599. When you sign this form, you agree with the Trustee (The Canada Trust Company and its successor) that:
If this is a new RSP:
you have received, read and agree to the Declaration of Trust provided with this form, and you instruct the Trustee to hold your bonds as set out in the Declaration of Trust.
you instruct the Trustee to apply to register The Canada RSP as a Registered Retirement Savings Plan under the Income Tax Act (Canada) and any provincial income tax legislation that may apply.
you instruct the Trustee to buy bonds according to the instructions you have correctly written on the front of this form as at the date the Bank of Canada receives the employee’s regular payroll deduction from the employer, subject to such changes in deduction amount as the employee may instruct the employer to make and which the employer communicates to the Bank of Canada.
If you already have The Canada RSP:
you instruct the Trustee to buy bonds according to the instructions you have correctly written on the front of this form as at the date the Bank of Canada receives the employee’s regular payroll deduction from the employer and to hold the bonds in your existing RSP, subject to such changes in deduction amount as the employee may instruct the employer to make and which the employer communicates to the Bank of Canada.
You understand that the owner is the person intended to receive the benefits out of the plan.
You understand that you are responsible for knowing the amount that you are allowed to contribute to an RSP each year.
You understand that any withdrawals from your RSP may be taxable income under theIncome Tax Act(Canada) and any provincial income tax legislation that may apply.
You acknowledge that the Bank of Canada and the Trustee each have access to the information on this form.
Purchaser’s agreement
When you sign this form and your employer returns it to the Bank of Canada, you confirm that:
You authorize your employer to make regular deductions from your pay to invest in bonds within the RSP according to the instructions you have correctly written on the front of this form.
You understand your employer will continue to make these payroll deductions unless you tell your employer otherwise.
You have received, read and agree to the Terms and Conditions provided with this form and agree to the series number and interest rate(s) of the bonds that have been determined by the Minister of Finance to be available for purchase on the date you sign and return this form. The series number and interest rate(s) of these bonds may be obtained from your employer,
www.csb.gc.ca or by calling 1 877 899-3599.
You are aware that while Canada Savings Bonds have a 10-year term to maturity, interest rates are often announced for a shorter period and remain in effect for that announced period. At the end of that period, new rates will be announced by the Minister of Finance based on the then prevailing market conditions.
Vous avez reçu, lu et vous acceptez les Modalitésfournies avec ce formulaire. Vous confirmez d’autre part que vous avez pris connaissance des obligations portant le numéro d’émission et le ou les taux d’intérêt établis par le ministre des Finances, lesquelles obligations seront disponibles à l’achat à la date où vous aurez signé et retourné le formulaire. Le numéro d’émission et le ou les taux d’intérêt en question peuvent également être obtenus auprès de l’employeur, sur le site Web www.oec.gc.ca ou par téléphone au 1 877 899-3599. En apposant votre signature sur ce formulaire, vous convenez avec le fiduciaire (La Société Canada Trust et son successeur) que :
S’il s’agit d’un nouveau RER :
vous avez reçu, lu et que vous acceptez l’Acte de fiducie fourni avec ce formulaire et demandez au fiduciaire de garder vos obligations selon les dispositions de l’Acte de fiducie.
vous demandez au fiduciaire d’obtenir l’enregistrement pour Le RER du Canada comme étant un régime enregistré d’épargne-retraite, conformément à la Loi de l’impôt sur le revenu (Canada) et à toute législation fiscale provinciale applicable.
vous demandez au fiduciaire d’acheter des obligations selon les directives inscrites correctement au recto de ce formulaire, à la date où la Banque du Canada reçoit la retenue salariale périodique de l’employé, sous réserve de tout changement que l’employé a demandé à l’employeur d’effectuer au montant retenu de chaque paie et que l’employeur aura communiqué à la Banque du Canada.
Si vous êtes déjà propriétaire du RER du Canada :
vous demandez au fiduciaire d’acheter des obligations selon les directives inscrites correctement au recto de ce formulaire, à la date où la Banque du Canada reçoit la retenue salariale périodique de l’employé et de garder vos obligations dans Le RER du Canada que vous détenez déjà, sous réserve de tout changement que l’employé a demandé à l’employeur d’effectuer au montant retenu de chaque paie et que l’employeur aura communiqué à la Banque du Canada.
Il est entendu que le propriétaire est l’individu désigné à recevoir les prestations du régime.
Il est entendu que vous êtes responsable de connaître le montant que vous pouvez verser à un RER chaque année.
Il est entendu que tout retrait provenant de votre RER peut être considéré comme un revenu imposable en vertu de la Loi de l’impôt sur le revenu(Canada) et de toute loi fiscale provinciale applicable.
Vous reconnaissez que la Banque du Canada et le fiduciaire ont accès aux renseignements fournis sur ce formulaire.
Convention de l’acheteur
En apposant votre signature sur ce formulaire et lorsque votre employeur le retourne à la Banque du Canada, vous confirmez que :
Vous autorisez votre employeur à prélever des retenues régulières de votre salaire et à investir celles-ci dans des obligations détenues dans le RER, selon les directives inscrites correctement au recto de ce formulaire. Vous comprenez que votre employeur
continuera à faire ces retenues sur votre salaire à moins que vous ne l’avisiez du contraire.
Vous avez reçu, lu et que vous acceptez les Modalitésfournies avec ce formulaire. Vous confirmez d’autre part que vous avez pris connaissance des obligations portant le numéro d’émission et le ou les taux d’intérêt établis par le ministre des Finances, lesquelles obligations seront disponibles à l’achat à la date où vous aurez signé et retourné le formulaire. Le numéro d’émission et le ou les taux d’intérêt en question peuvent également être obtenus auprès de votre employeur, sur le site Web www.oec.gc.ca ou par téléphone au 1 877 899-3599.
Vous prenez conscience du fait que les taux d’intérêt annoncés pour les Obligations d’épargne du Canada portent souvent sur une plus courte période que le terme de 10 ans de celles-ci.
À la fin de ladite période, le ministre des Finances annoncera de nouveaux taux en fonction de la conjoncture du moment.
The personal information provided on this form is protected under the provisions of the PRIVACY ACTand will be used only for the purposes for which it was collected.
Les renseignements personnels fournis sur ce formulaire sont protégés en vertu de la Loi sur la protection des renseignements personnelset ne seront utilisés que dans le but pour lequel ils ont été recueillis.
85006_BOC_RSPAppForm.qxd 3/27/08 4:49 PM Page 4
To be used by the employer Réservé à l’employeur
Employee no. N° de l’employé Organization information Renseignements sur l’organisme Organization IDId. de l’organisme
1. Who is the employee buying these bonds? Quel employé achète ces obligations?
First namePrénom Middle nameAutres prénoms
Last nameNom de famille
Social insurance numberNuméro d’assurance sociale Date of birth (y/m/d) Date de naissance (a/m/j)Street number and name, R.R. or P.O. Box Numéro et rue, R.R. ou C.P. Apt.App.
CityVille Province Postal codeCode postal
Telephone (home)Téléphone (résidence) Telephone (work)Téléphone (bureau) Language of choiceLangue de correspondance
( ) ( )
2. Who will be the owner of this RSP? Qui sera le propriétaire de ce RER?
You, the employee – you don’t need to provide the information below. Tax receipts will be issued to you.
Vous l’employé - vous n’avez pas à fournir les renseignements ci-dessous. Les reçus d’impôt pour les cotisations seront émis à votre nom.
Your spouse – please complete this section. Tax receipts will be issued to your spouse naming you as contributor.
Votre conjoint – veuillez remplir cette section. Les reçus d’impôt, vous nommant en tant que cotisant, seront émis au nom de votre conjoint.
Spouse’s first namePrénom du conjoint Spouse’s middle nameAutres prénoms du conjoint
Spouse’s last nameNom de famille du conjoint
Social insurance numberNuméro d’assurance sociale Date of birth (y/m/d) Date de naissance (a/m/j)Telephone (home)Téléphone (résidence) Telephone (work)Téléphone (bureau) Language of choiceLangue de correspondance
( ) ( )
3. Who will be the beneficiary of this RSP? Qui sera le bénéficiaire de ce RER?
First namePrénom
Last nameNom de famille Relationship to ownerLien avec le propriétaire 4. How much would you like deducted from each pay? Quel montant désirez-vous faire retenir de chaque paie?How much would you like deducted from each payto invest in bonds in this plan?
Quel montant désirez-vous faire retenir de chaque paiepour être investi dans des obligations détenues dans ce régime?
How often are you paid? Quelle est la fréquence de versement de votre salaire?
5. Owner’s signature (as indicated in section 2) Signature du propriétaire (comme indiqué à la section 2)
By signing here, you confirm that you have read and accept the owner’s agreement on the back of this form.
En signant ici, vous confirmez que vous avez lu et que vous acceptez la convention du propriétaire décrite au verso de ce formulaire.
Signature
6. Purchaser’s signature Signature de l’acheteur
By signing here, you confirm that you have read and accept the purchaser’s agreement on the back of this form. You understand your employer will continue to make these payroll deductions unless you tell your employer otherwise.
En signant ici, vous confirmez que vous avez lu et que vous acceptez la convention de l’acheteur décrite au verso de ce formulaire. Vous comprenez que votre employeur continuera à faire ces retenues sur votre salaire à moins que vous ne l’ avisiez du contraire.
Signature
English Anglais
French Français
X X
X X
X X
Once a weekUne fois par semaine
Every two weeks Toutes les deux semaines
Twice a month Deux fois par mois
Once a month Une fois par mois
Complete this application form to buy bonds in an RSP.
Veuillez remplir ce formulaire pour acheter des obligations dans un RER.
$ . 0 0
OR/OU
A social insurance number is required by income tax legislation and, if you are the owner, your date of birth.
La législation fiscale exige votre numéro d’assurance sociale et, si vous êtes le propriétaire, votre date de naissance.
English Anglais
French Français
X X
X X
By initialling the box below, you confirm that we may use the details on this form to give you additional information about Government of Canada investment products.
En apposant vos initiales dans la case à droite, vous confirmez que nous pouvons utiliser les renseignements fournis sur ce formulaire pour
vous faire parvenir des renseignements supplémentaires au sujet des produits de placement du gouvernement du Canada.
Date you signed this form (y/m/d) Date de signature de ce formulaire (a/m/j)
InitialsInitiales
By initialling the box below, you confirm that we may use the details on this form to give you additional information about Government of Canada investment products.
En apposant vos initiales dans la case à droite, vous confirmez que nous pouvons utiliser les renseignements fournis sur ce formulaire pour
vous faire parvenir des renseignements supplémentaires au sujet des produits de placement du gouvernement du Canada.
Initials Initiales
Date you signed this form (y/m/d) Date de signature de ce formulaire (a/m/j)
Employer’s copy / Employee’s copy Copie de l’employeur / Copie de l’employé
A social insurance number and date of birth are required by income tax legislation.
La législation fiscale exige que le numéro d’assurance sociale et la date de naissance soient inscrits.
PSPRSP/08
Protected B (when completed) Protégé B (une fois rempli)
85006_BOC_RSPAppForm.qxd 3/27/08 4:49 PM Page 5
