Privacy Statement and Consent
My commitment to protecting your privacy: I comply with the federal Personal Information and
Electronic Documents Act (PIPEDA) and applicable provincial privacy laws. I maintain the highest
standards of confidentiality to ensure the protection of your personal information. I also adhere to the
Canadian Anti-Spam Legislation and Regulations (CASL) and will only communicate electronically with
your consent.

Accountability: I am responsible for the personal information that I receive from you. I will safeguard that
information in whatever form it is held.

How I collect, use, share, disclose and retain your information: I collect all personal, corporate, medical financial and related information with your consent and use and retain it solely for the purposes of providing advice and to ensure that any products or services you purchase through me are provided
quickly and correctly. I confidentially convey your personal information to insurers through wholesale
organizations known as Managing General Agencies (“MGAs”), TruStone Financial Inc/ OM Financial Inc.
who are contracted to provide sales support, as well as any third-party service providers that the MGA
may engage to assist in the provision of the sales support. I only collect and keep information that helps
me formulate advice, including personal, financial and health information. With your consent, I may share
this information with others to get you help in areas outside of my areas of expertise. I am required to
retain much of the information I collect for regulatory reasons including demonstrating that the
recommendations I make are suitable and address your identified needs.

Consent: I use your personal information to identify products, concepts and services to address needs
you have identified. By signing this form, you agree:

• to provide accurate information throughout our business relationship as your circumstances change,
• to allow me to use, share and disclose this information on an as-needed basis with my suppliers,
  associates and wholesale organizations, which may retain some information on file for future use and reference by me, my suppliers and any assignees,
• to allow me to retain your personal information, including health information housed on your
  applications, in my records for as long as I am your advisor or I have a business or regulatory need to retain the information and
• to the assignment of your file, including your personal information, to another agent and/or MGA, to
  continue to service your needs, in the event that I become incapacitated, die or retire. However, you
  will have the right to choose your own agent at that time, should you not agree to the assignment.

Accuracy of information: In order to make appropriate recommendations, I must receive accurate
information. You may review the personal information I retain about you upon request. I will attempt to
update the personal information I hold in my records to determine whether the recommendations I made
are still appropriate in light of changes in your circumstances. I also rely on you to provide regular updates to me.

What I will NOT do with your information: I do not sell your personal information to anyone nor do I
share your personal information with organizations outside of my relationship with you that would use it
to contact you about their own products or services.

I strive to protect your personal information: All employees, associated advisors, wholesale
organizations, and suppliers who are granted access to client records are required by law and regulation
to keep this information protected and confidential and to use the information only for the purposes
identified. Information that is no longer required for the intended original purpose will be destroyed. I’ve
also established physical and systems safeguards, along with proper processes, to protect client
information from unauthorized access or use.

Your privacy choices: You may withdraw your consent at any time (subject to legal or contractual
obligations and on providing me with reasonable notice) by contacting me. Withdrawing your consent
may prevent me from providing you with requested products or services and may end our business
relationship. I may occasionally use your personal information to advise you of products or services that
may interest you or fit your personal circumstances. If you would rather not receive this type of
communication, please advise me at any time.

Your right to complain: You have the right to complain confidentially to me, to the insurer and to the
Privacy Commissioner of Canada if need be.

Ajith Sabaratnam
Phone #: 647-401-5800
Street Address: 135 Village Green Square, Scarborough, Ontario M1S 0G4
Email Address: ajithsaba@gmail.com