the canada rsp - Canada Savings Bonds

Application and
Change Form inside
Save for the perfect retirement with
the perfect retirement plan.
THE
CANADA
RSP
Payroll Savings Program
The Canada RSP is:
• easy to purchase
• cashable at any time
• a no-fee investment
• safe and secure
www.csb.gc.ca
10RSPO8
1 877 899-3599
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.
$10
Contribute as little as ten dollars
per week to purchase your CSB
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.
CONTRIBUTION
LEVEL
10 YEARS
25 YEARS
40 YEARS
$50
$15,226
$48,660
$101,063
$45,678
$145,980
$303,190
PER PAY
$150
PER PAY
$300
PER PAY
$91,355 $291,960 $606,379
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.
Peace of mind and guaranteed results.
Together The Canada Savings Bond and The Canada RSP offer you sound
investment benefits:
>
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.
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.
www.csb.gc.ca
www.mybonds.gc.ca
Grow your savings even faster! Contribute $10 or more
per pay and see how quickly your savings add up.
Payroll Deduction
CHANGE FORM
To increase or change your contribution amount, simply complete this
form and return 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.
Employee first name
Middle name
Employee last name
Social Insurance Number
Telephone (work)
Employee number (optional)
Organization information (optional)
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
. 00
. 00*
CSB
RRSP
RRSP
. 00
. 00*
Total
. 00
Total
. 00
CSB
*Only if you have an RRSP plan.
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 signature
YYYY
MM
DD
Declaration of Trust
In this declaration of trust:
■ your plan means The Canada RSP that you own
■ you means 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 Trustee means The Canada Trust Company and its successor
■ the Act means the Income Tax Act (Canada)
■ applicable laws means the Act and any provincial income tax legislation that
applies to your plan
■ investment means any Government of Canada investment product eligible to
be held in your plan
■ spouse means the individual recognized as the spouse under the Income Tax
Act and 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 you complete the application form and
purchased pursuant to that form;
■ you means the purchaser of the bonds; and
■ Trustee means The Canada Trust Company and its successor.
Buying bonds
You may only buy bonds with 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 you are paid once a week;
■ $20 if you are paid every two weeks or twice a month; and
■ $40 if you are paid once a month.
Regardless of how often you are paid, the maximum purchase amount for each
regular payroll deduction is $9,999.00.
Unless you have told your employer otherwise and your employer transmitted
your new instructions to the Bank of Canada and/or you provided them directly
to the Bank of Canada, you will have bought bonds according to the instructions
you have 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 you have specified and that your employer has
transmitted. You can stop or change the amount of bonds you purchase within
this annual amount. In the event you had stopped your purchase of bonds,
you can 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 bonds purchased above the annual amount.
No further interest will be earned on bonds that 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.
Bonds may be registered in the following manner:
■ in the name of an individual, whether adult or minor (please refer to
Transferring and assigning bonds below);
■ 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 bonds below).
The bonds have 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
Bonds earn 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, bonds earn 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 bonds below).
Exchanging bonds
Bonds cannot 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,
bonds may 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 bonds provided that
for bonds transferred 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
Bonds may be redeemed by the owner at any time after 15 days following
the date they were purchased by writing to the Trustee.
For each type of registration, not less than the balance in bonds may 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 bonds redeemed 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.
Contacting the Trustee
Contacting the Bank of Canada
Canada Savings Bonds
Registered Products
P.O. Box 2390, Station D
Ottawa, ON
K1P 1K8
Canada Savings Bonds
P.O. Box 2770, Station D
Ottawa, ON
K1P 1J7
1 877 899-3599
1 800 354-2222 (TTY/Teletypewriter)
1 800 354-2222 (TTY/Teletypewriter)
www.csb.gc.ca
1 877 899-3599
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.
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Complete this application form to buy bonds in an RSP.
Veuillez remplir ce formulaire pour acheter des obligations dans un RER.
Protected B (when completed)
Protégé B (une fois rempli)
To be used by the employer
Employee no.
N° de l’employé
Organization information
Réservé à l’employeur
Renseignements sur l’organisme
Organization ID
Id. de l’organisme
1. Who is the employee buying these bonds?
First name
Prénom
Last name
Nom de famille
Quel employé achète ces obligations?
Middle name
Autres prénoms
() () X
X
Social insurance number Numéro d’assurance sociale
Street number and name, R.R. or P.O. Box
City
Date of birth (y/m/d) Date de naissance (a/m/j)
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.
Numéro et rue, R.R. ou C.P.
Apt.
Ville
Province
Telephone (home)
Téléphone (résidence)
2. Who will be the owner of this RSP?
Telephone (work)
Téléphone (bureau)
Language of choice
English
Anglais
App.
Postal code
Code postal
Langue de correspondance
French
Français
Qui sera le propriétaire de ce RER?
X
X
() () X
X
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.
OR/OU
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 name
Prénom du conjoint
Spouse’s last name
Nom de famille du conjoint
Spouse’s middle name
Autres prénoms du conjoint
Social insurance number Numéro d’assurance sociale 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.
Telephone (home)
Téléphone (résidence)
3. Who will be the beneficiary of this RSP?
First name
Prénom
Last name
Nom de famille
Telephone (work)
Téléphone (bureau)
Date of birth (y/m/d) Date de naissance (a/m/j)
Language of choice
English
Anglais
Langue de correspondance
French
Français
Qui sera le bénéficiaire de ce RER?
Relationship to owner
Lien 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 pay to invest in bonds in this plan?
Quel montant désirez-vous faire retenir de chaque paie pour être investi dans des obligations détenues dans ce régime?
How often are you paid? Quelle est la fréquence de versement de votre salaire?
Once a week
Every two weeks
Twice a month
Une fois par semaine
Toutes les deux semaines
Deux fois par mois
X
X
X
5. Owner’s signature (as indicated in section 2)
X
Once a month
Une fois par mois
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
$.
0 0
Date you signed this form (y/m/d)
Date de signature de ce formulaire (a/m/j)
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.
Initials Initiales
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.
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
Date you signed this form (y/m/d)
Date de signature de ce formulaire (a/m/j)
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.
Initials Initiales
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.
PSPRSP/08
Filename: 85006_BOC_RSPAppForm
Size: 8.5" x 14.5"
Colours: Black + PANTONE 183 C
Bank of Canada copy
Copie de la Banque du Canada
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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:
Vous avez reçu, lu et vous acceptez les Modalités fournies 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.
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 the Income 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
Convention de l’acheteur
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.
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 Modalités fournies
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.
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.
The personal information provided on this form is protected
under the provisions of the PRIVACY ACT and 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
personnels et ne seront utilisés que dans le but pour lequel ils
ont été recueillis.
85006_BOC_RSPAppForm.qxd
3/27/08
4:49 PM
Page 3
Complete this application form to buy bonds in an RSP.
Veuillez remplir ce formulaire pour acheter des obligations dans un RER.
Protected B (when completed)
Protégé B (une fois rempli)
To be used by the employer
Employee no.
N° de l’employé
Organization information
Réservé à l’employeur
Renseignements sur l’organisme
Organization ID
Id. de l’organisme
1. Who is the employee buying these bonds?
First name
Prénom
Last name
Nom de famille
Quel employé achète ces obligations?
Middle name
Autres prénoms
() () X
X
Social insurance number Numéro d’assurance sociale
Street number and name, R.R. or P.O. Box
City
Date of birth (y/m/d) Date de naissance (a/m/j)
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.
Numéro et rue, R.R. ou C.P.
Apt.
Ville
Province
Telephone (home)
Téléphone (résidence)
2. Who will be the owner of this RSP?
Telephone (work)
Téléphone (bureau)
Language of choice
English
Anglais
App.
Postal code
Code postal
Langue de correspondance
French
Français
Qui sera le propriétaire de ce RER?
X
X
() () X
X
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.
OR/OU
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 name
Prénom du conjoint
Spouse’s last name
Nom de famille du conjoint
Spouse’s middle name
Autres prénoms du conjoint
Social insurance number Numéro d’assurance sociale 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.
Telephone (home)
Téléphone (résidence)
Telephone (work)
3. Who will be the beneficiary of this RSP?
First name
Prénom
Last name
Nom de famille
Téléphone (bureau)
Date of birth (y/m/d) Date de naissance (a/m/j)
Language of choice
English
Anglais
Langue de correspondance
French
Français
Qui sera le bénéficiaire de ce RER?
Relationship to owner
Lien 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 pay to invest in bonds in this plan?
Quel montant désirez-vous faire retenir de chaque paie pour être investi dans des obligations détenues dans ce régime?
How often are you paid?
X
Quelle est la fréquence de versement de votre salaire?
Once a week
Une fois par semaine
X
Every two weeks
Toutes les deux semaines
X
5. Owner’s signature (as indicated in section 2)
Twice a month
Deux fois par mois
X
Once a month
Une fois par mois
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
0 0
$.
Date you signed this form (y/m/d)
Date de signature de ce formulaire (a/m/j)
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.
Initials Initiales
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.
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
Date you signed this form (y/m/d)
Date de signature de ce formulaire (a/m/j)
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.
Initials Initiales
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.
PSPRSP/08
Employer’s copy / Employee’s copy
Copie de l’employeur / Copie de l’employé
85006_BOC_RSPAppForm.qxd
3/27/08
4:49 PM
Page 4
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:
Vous avez reçu, lu et vous acceptez les Modalités fournies 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.
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 the Income 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
Convention de l’acheteur
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.
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 Modalités fournies
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.
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.
The personal information provided on this form is protected
under the provisions of the PRIVACY ACT and 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
personnels et ne seront utilisés que dans le but pour lequel ils
ont été recueillis.
85006_BOC_RSPAppForm.qxd
3/27/08
4:49 PM
Page 5
Complete this application form to buy bonds in an RSP.
Veuillez remplir ce formulaire pour acheter des obligations dans un RER.
Protected B (when completed)
Protégé B (une fois rempli)
To be used by the employer
Employee no.
N° de l’employé
Organization information
Réservé à l’employeur
Renseignements sur l’organisme
Organization ID
Id. de l’organisme
1. Who is the employee buying these bonds?
First name
Prénom
Last name
Nom de famille
Quel employé achète ces obligations?
Middle name
Autres prénoms
() () X
X
Social insurance number Numéro d’assurance sociale
Street number and name, R.R. or P.O. Box
City
Date of birth (y/m/d) Date de naissance (a/m/j)
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.
Numéro et rue, R.R. ou C.P.
Apt.
Ville
Province
Telephone (home)
Téléphone (résidence)
2. Who will be the owner of this RSP?
Telephone (work)
Téléphone (bureau)
Language of choice
English
Anglais
App.
Postal code
Code postal
Langue de correspondance
French
Français
Qui sera le propriétaire de ce RER?
X
X
() () X
X
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.
OR/OU
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 name
Prénom du conjoint
Spouse’s last name
Nom de famille du conjoint
Spouse’s middle name
Autres prénoms du conjoint
Social insurance number Numéro d’assurance sociale 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.
Telephone (home)
Téléphone (résidence)
Telephone (work)
3. Who will be the beneficiary of this RSP?
First name
Prénom
Last name
Nom de famille
Téléphone (bureau)
Date of birth (y/m/d) Date de naissance (a/m/j)
Language of choice
English
Anglais
Langue de correspondance
French
Français
Qui sera le bénéficiaire de ce RER?
Relationship to owner
Lien 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 pay to invest in bonds in this plan?
Quel montant désirez-vous faire retenir de chaque paie pour être investi dans des obligations détenues dans ce régime?
How often are you paid?
X
Quelle est la fréquence de versement de votre salaire?
Once a week
Une fois par semaine
X
Every two weeks
Toutes les deux semaines
X
5. Owner’s signature (as indicated in section 2)
Twice a month
Deux fois par mois
X
Once a month
Une fois par mois
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
0 0
$.
Date you signed this form (y/m/d)
Date de signature de ce formulaire (a/m/j)
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.
Initials Initiales
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.
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
Date you signed this form (y/m/d)
Date de signature de ce formulaire (a/m/j)
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.
Initials Initiales
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.
PSPRSP/08
Employer’s copy / Employee’s copy
Copie de l’employeur / Copie de l’employé
85006_BOC_RSPAppForm.qxd
3/27/08
4:49 PM
Page 6
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:
Vous avez reçu, lu et vous acceptez les Modalités fournies 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.
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 the Income 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
Convention de l’acheteur
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.
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 Modalités fournies
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.
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.
The personal information provided on this form is protected
under the provisions of the PRIVACY ACT and 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
personnels et ne seront utilisés que dans le but pour lequel ils
ont été recueillis.