This at-a-glance guide will help you get a better understanding of your account statements. If you still have questions, your Investment Advisor will be pleased to help you.

Understanding your statements

Consolidated statement

Provides your total consolidated statement value at the end of the current and previous reporting periods for your account(s). If your accounts consist of different currencies, the consolidated value is displayed in Canadian Dollars.

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Contact information

Provides your Wealth Management Team’s contact information should you have questions regarding your accounts and investments.

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Summary of your account(s)

List of account(s) being reported. Includes the account type, product type and market value of the account in the currency of the account.

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Currency exchange rates

The exchange conversion rate(s) used to consolidate the account(s) market values (where applicable) to Canadian Dollars.

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Asset allocation graph

A representation of asset allocation by pie chart or bar graph.

Summary of activity

This section provides a summary of income, dividends and distributions paid in cash or reinvested in-kind for the current statement period and the calendar year to date. Distributions include mutual funds, pooled funds and segregated funds as well as income from other investments such as Income Trusts, Limited Partnerships and REITs.

Summary of your consolidatedportfolio by asset class

Asset class breakdown of investments (Cash & cash equivalents, Fixed income, Preferred shares, Equity, Other balanced funds/ETF, Options, Alternative investments, Other investments) in terms of the total book value, market value and the % of the portfolio’s market value that each asset class represents.

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Holdings for your account

Provides details, for the end of the statement period, on the security holdings in the account by asset class and geography. Within each grouping, the securities are sorted in alphabetical order.

ND indicator (market price)

The indicator ND will be displayed when a market or estimated price could not be reliably determined.

ND indicator (book value)

The indicator ND will be displayed when the overall cost of the position could not be reliably determined.

Market value

The market value of the security position. This is calculated by multiplying the quantity by the price and adding accrued interest (where applicable).

EST indicator

The indicator EST will be displayed when an estimated price has been used because there is no active market for the security.

Net amount

The dollar impact of the transaction activity on the cash balance of the account.

Value/cost adjustment

The impact of the transaction on the book cost of the security. Items such as a return of capital or a dividend re-investment will be represented in this column. Note: Not all cost-adjusting transactions are reported.

Market price

The closing price on the last business day of the reporting period for the security holding.

Some securities, which are not market traded or do not price frequently, may use the last bid or ask price if a current close is not available. Funds will use the most recent NAV provided by the fund company.

Book value

The Book Value is the average purchase amount of the securities, adjusted for transactions such as dividend re-investments or return of capital. This value may not represent the official tax value of your holdings. Additional factors can impact the accuracy of this value and it is recommended that you consult a tax professional to determine the correct value for tax reporting.

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* Please contact your Investment Advisor if you have information available to support the updating of the book value of any position including those with a status of ND or MVIL.

Understanding your statements (cont.)Retirement contribution summary

This section provides information about your beneficiary election and a summary of the contributions to your RRSP or Spousal RRSP.

TFSA summary

This section provides information about your beneficiary election and a summary of the contributions and withdrawals to your TFSA in the current and prior year.

Retirement payment summary

This section provides information about your beneficiary election and a summary of the payment details for your retirement plan account (RRIF, SP RRIF or LRIF).

RESP plan summary

This section provides information about your beneficiary election and a summary of the contributions, grant money and withdrawals for your RESP in the current year.

MVIL indicator

The indicator MVIL will be displayed when the market value at the time of transfer was used to establish the initial book value of the position (if one was not available).

11Transaction activity

This section reports the transaction activity processed in your account during the statement reporting period. This may include transaction activity which has been back-dated or activity which has not yet settled.

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