Compliance Memo

Compliance Memorandum 2012-02; Sale of M.R.S Trust to B2B Trust

For more information, contact:

Compliance Team

Date Issued:

January 17, 2012

As you may be aware, M.R.S. Trust was sold to B2B Trust. As a result of the sale there will be
a number of changes that impact advisors and clients.
Subject to regulatory approval, B2B trust has announced several changes including a
proposed change to registered Plan trustees from “M.R.S. Trust Company” to “B2B Trustco, a
subsidiary of B2B Trust.” This change is expected April 2, 2012.

Please be advised that by January 17, 2012, several M.R.S. Trust Company products will no
longer be available and in some cases have not been replaced by a corresponding B2B trust
product applications for these products will not be accepted after that date

Discontinued MRS Trust productB2B Trust product
MRS Trust Cash Surrender Value (CSV) Line of CreditNot applicable
MRS Trust GICs (short and long term) and
B2B Trust GICs (short and long term) and
B2B Trust Self Directed TFSA
MRS Trust High Yield PlusB2B Trust High Interest Savings Account (B2B Trust HISA™)
MRS Trust High Yield Tax Free Savings AccountNot applicable
MRS Trust MortgagesLaurentian Bank Broker Mortgages
MRS Trust RESP LoanNot applicable
MRS Trust RRSP LoanB2B Trust RRSP Loan
MRS Trust Tax Free Savings Account LoanNot applicable
MRS Trust 2 For 1 Investment Loan
(Margin and No Margin Call)
MRS Trust Wealth Builder Investment Loan
B2B Trust Investment Loans

As always, if you have any questions or comments, contact the Compliance Department by email at