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Commitment to Service


This document sets forth an understanding of the terms and objectives of our engagement to provide financial services. The scope and nature of the services to be provided are as follows:

Reviews and Evaluation
We will review and analyze financial statements and documents, including life insurance coverage, pensions, retirement assets and other information related to your estate and retirement plans.

Recommendations
Based on our review, we will summarize our findings in writing. We will also prepare specific recommendations with respect to investment and insurance programs.

Implementation
We will act for you as your advisor within the scope of our licensing as Life Insurance Agents and Mutual Fund Representatives and work with you to keep your plan up to date. Unless specifically contracted, our services will be limited to a review of your current investment, insurance and savings programs and analysis of capital needs when you retire, die or become disabled.

Confidentiality

▪ We will keep confidential the information shared with us. Personal information will be given only to the parties you have authorized by letter, application, KYC disclosure or as required by Provincial or Federal law.

▪ Provided this introduction correctly sets forth your understanding of the terms and objectives of the engagement, please so indicate, initial here (_______).

▪ In addition to the basic services outlined above you may want to contract additional planning services. Fee for Service disclosure statement is as follows:

▪ Lifevest Canada Inc is a provider of fee for service financial planning; and IPC Investment Corporation (“IPCI”) holds David J. Cox, hereinafter the “Financial Planner”, mutual fund representative under provincial securities regulation.

▪ Lifevest Canada Inc generates income through fees charged for financial planning (fee schedule and FAQ is attached).
 
▪ You are entitled to go elsewhere to implement any plan that is prepared for you.

▪ If David J. Cox or Stuart Cox is engaged to implement a plan that includes the purchase of Mutual Funds or other products sold by IPCI, you will become a client of IPCI, and they will receive commissions from IPCI for the products sold through IPCI.

▪ If IPCI or David J. Cox or Stuart Cox is paid commissions or referral fees, disclosure will be in accordance with statutory requirements.

▪ Insurance products sold by David J. Cox will generate fees or commissions to David J. Cox or to Lifevest Canada Inc.

▪ Insurance products sold by Stuart Cox will generate fees or commissions to Stuart Cox

▪ David J. Cox is a Mutual Fund Salesperson under provincial securities regulation in Alberta and British Columbia, and David J. Cox is also the designated representative of Lifevest Canada Inc, a corporate Life Insurance Agent.

▪ David J. Cox is licensed as a life insurance agent under the Alberta Insurance Council, Insurance Councils of Saskatchewan and Insurance Council of British Columbia.

▪ Stuart Cox is a Mutual Fund Salesperson under provincial securities regulation in Alberta.

▪ Stuart Cox is licensed as a life insurance agent under the Alberta Insurance Council and Insurance Councils of Manitoba.

▪ If you wish to have a comprehensive financial plan completed following the six-step process as described by Financial Planners Standards Council (FPSC) for a specified fee, initial here, (_______).

▪ IPC Investment Corporation (“IPCI”) acknowledgement regarding fee for service financial planning. The undersigned hereby acknowledges and agrees as follows:

▪ IPCI does not provide any fee for service financial services. Furthermore, IPCI does not supervise or review any financial plans prepared on a fee for service basis and I am not relying on IPCI for any such supervision or review.

▪ If any agent, employee or representative of IPCI, including, without limitation, my Representative, prepares a financial plan on a fee for service basis, it is being prepared in his or her personal capacity or in his or her capacity as an agent, employee or representative of a company in which such person is a shareholder and not in his or her capacity as an agent, employee or representative of IPCI.

▪ If any agent, employee or representative of IPCI, including, without limitation, my Representative, recommends any third party to prepare my financial plan on a fee for service basis, the recommendation is being made in his or her personal capacity and not in his or her capacity as an agent, employee or representative of IPCI.

I will not hold IPCI liable for any losses, expenses, costs, claims, damages or liabilities arising from or resulting as a consequence of the fee for service financial planning services, including any errors or omission contained in my fee for service financial plan, provided by, (i) any agent, employee or representative of IPCI, including, without limitation, my Representative; (ii) any company in which any agent, employee or representative of IPCI, including, without limitation, my Representative, is a shareholder; or (iii) any third party.



Dated as of the ___________ day of ____________________, 2008.



Client Signature (s) : _________________________________



Witness : __________________________________________

Disclaimer: The information contained herein is for AB, BC residents only and does not constitute an offer to sell or solicit sales in any other Canadian or foreign jurisdictions.