Business Submission Methods
Scenario or Decision Item
Bank Accounts
Bank Clearance
Beutel Goodman Canadian
Small Cap Fund (all series)
Change of Ownership
Commutations (RIF to RSP;
LIF/LRIF to LIRA)
Submission Method(s)
Order Forms: IGFS/LSIL
/Phone/Email/Paper/Fax:
Change primary bank account (existing banks on
file only)
Paper/Fax: Add new banking to client file and/or
add new banking to client file to be primary. Use
the Add Banking Form #C3085 to provide
required signatures.
Personal or Corporate Cheque or EFT – 10 days
Third Party Cheque – 15 days
Foreign Cheque – 40 days
Business Link: Switch – Source only
Sells
Email Form/ Paper/Fax: Switch / Internal
Transfers for existing position’s change of
registration (e.g. RSP to RIF).
Paper/Fax: All orders require signature(s).
Email Form/Paper/Fax: All orders.
Pre-edit Tip (if applicable)
CPMS will display all bank
accounts associated to the
client by clicking the ‘Client’
tab and clicking ‘Bank
Accounts’.
Primary bank account will be
used for all sells.
The ‘Instructions’ tab will
display the applicable bank
accounts associated to
specific instructions (PAC and
SWP).
Business Link Tip (if applicable)
Destination of sell orders is
governed by bank record on SAS.
If you see a primary bank in
CPMS, this bank account will be
the destination. If CPMS does not
have a primary bank, the sell will
be distributed via cheque to the
client’s home address.
If units are held due to bank
clearance and the order requires
these units, the order will reject the
next day.
“937 – Contract Rejected”
As of March 28, 2002, this fund
was closed to new buys.
An attempt to switch into a Beutel
Goodman Canadian Small Cap
Fund will return an immediate error
message (no confirmation
number);
“123 – Orders not allowed for the
Fund ID”
Out of scope
Out of scope
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 Business Submission Methods

Scenario or Decision Item Submission Method(s) Pre-edit Tip (if applicable) Business Link Tip (if applicable)

Consolidations Used to be done on Order Forms: IGFS/LSIL. Out of scope

This form has been removed because it is no
longer required. Duplicate funds within the same
account are not permitted on SAS.

Contributions Paper/Fax: New business and subsequent

contributions are still deposited in the RO. Client
Application and Investment Instruction Form are
required.
Duplicate Target Positions Used to be done on Order Forms: IGFS/LSIL. Duplicate funds within the same
This form has been removed because it is no account are not permitted on SAS.
longer required.

Estate Settlements Paper/Fax: Orders require signature(s). Send to Out of scope

Estates Dept 303 or your AYS Agent.
Freezes Business Link: Switches within, LIF or LRIF A pre-edit using CPMS will If an order is submitted on a fund
accounts are permitted to move money between show the positions that have that has a freeze attached to it,
positions within the account. a freeze. There are many Business Link will return a Reject
reasons why you may see an message the next day.
Email Form/Paper/Fax: All other orders that “F” (freeze) on the position. If “937 – Contract Rejected”
involve a position with an “F” indicated on CPMS. you are unsure as to why the
Acceptance of the order will depend on the freeze position is frozen or how to
reason. Refer to pre-edit tip. proceed, contact the CCC
Business Link Support team,
QGO or AYS agent for
clarification.

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 Business Submission Methods

Scenario or Decision Item Submission Method(s) Pre-edit Tip (if applicable) Business Link Tip (if applicable)

Group LIRA LIRA positions are no longer permitted within a Out of scope
Group RSP account. Refer to the December 5,
2003 Ebulletin 12.2 for more information.

Group RSP Business Link: Switch/Internal Transfers
(Account must exist)
Group RSP to Group RSP
Group RSP to Non-Reg
Group RSP to RSP
Group RSP to RIF
Possible but tax implications:
Group RSP to Spsl RSP
Group RSP to Sp Grp RSP
Group RSP to RIF Spousal
If unsure whether units are
restricted by the employer,
contact the CCC Business
Link Support team, QGO or
AYS agent for clarification.
Any attempt to send an order to
an invalid target account will
Reject the same day.
“056 Invalid Taxable Event”
Any attempt to transact on
restricted units will reject the next
day.

Sells
All, except restricted units.

Group RSP Spousal (Sp Grp Business Link: Switch/Internal Transfers

RSP) (Account must exist)
Sp Grp RSP to Sp Grp RSP
Sp Grp RSP to Spsl RSP
Sp Grp RSP to Non-Reg
Sp Grp RSP to Spousal RIF

Possible but tax implications:

Sp Grp RSP to Group RSP
Sp Grp RSP to RSP
Sp Grp RSP to RIF

Sells
All, except positions with a
freeze.

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 Business Submission Methods

Scenario or Decision Item Submission Method(s) Pre-edit Tip (if applicable) Business Link Tip (if applicable)

Guaranteed Investment Email Form/Paper/Fax: All orders. Out of scope

Certificate (GIC)
Home Buyers Plan (HBP – Paper/Fax – Gov’t Form: Requires signature(s) Out of scope
T1036) on government form T1036.
IGSI Order Forms: IG Funds in IGSI: Orders to Buy, CPMS identifies IGSI Business Link does not display
Sell or Switch IG Mutual Funds held with IGSI. accounts (plans) within the any IGSI assets (IG or third party
account (plan) name as “Self funds).
Order Forms: 3rd Party in IGSI: Order to Buy, Admin”. Only IG Fund assets
Sell or Switch third party funds held with IGSI. will display within CPMS.
NetRep should be used for all
3rd Party pre-edits.
Income Transfer or Payout Order Forms: IGFS/LSIL: Requesting an Business Link displays a dividend
existing position to transfer or payout the income. payout option on the Switch
screens, however all new funds
will reinvest dividends.
In Kind Transfers Paper/Fax: Considered a change of ownership Out of scope
and require signature(s).
In Trust Business Link: Switch CPMS displays ‘In Trust’ at Business Link does not indicate
In Trust to In Trust (existing) the account (plan) and ‘In Trust’; simply displays as a
In Trust to In Trust (new) position (account) level. Non-Reg account. Ensure you
In Trust to Non-Reg (existing) Imperative to pre-edit prior to select the correct account
In Trust to Non-Reg (new) accessing Business Link. number.
Non-Reg to In Trust (exist)
Non-Reg to In Trust (new)

Sells

Investors Syndicate Ltd. Email Form/Paper/Fax: All orders. Out of scope

Accounts (IDS, MAP, ISL)

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 Business Submission Methods

Scenario or Decision Item Submission Method(s) Pre-edit Tip (if applicable) Business Link Tip (if applicable)

iProfile Paper/Fax: Continue to send iProfile orders iProfile positions will display on
using the iProfile applications. Business Link, however you will
not be able to submit orders to or
from an iProfile position.
Any attempt to use iProfile as a
target position will reject the next
day. “ 005 Invalid Fund Identifier”
LIF Business Link: Switch/Internal Transfers CPMS will identify all locked Any attempt to send an order to an
(Account must exist) accounts with a “F” freeze invalid target account will reject the
LIF to LIF indicator. same day.
LIF to LRIF “056 Invalid Taxable Event”
Paper/Fax: Sells
LIRA Business Link: Switch/Internal Transfers CPMS will no longer identify Any attempt to send an order to an
(Account must exist) LIRA accounts with a “F” invalid target account will reject the
LIRA to LIRA freeze indicator. next day.
LIRA to Group LIRA “937 Contract Rejected”
LIRA to LRIF
LIRA to LIF

Paper/Fax: Sells
LRIF Business Link: Switch/Internal Transfers CPMS will identify all locked Any attempt to send an order to an
(Account must exist) accounts with a “F” freeze invalid target account will reject the
LRIF to LRIF indicator. same day.
LRIF to LIF “056 Invalid Taxable Event”
Paper/Fax: Sells
Marriage Breakdown (T2220) Paper/Fax – Gov’t Form: All orders require Out of scope
signature(s) on government form T2220.
Minors Paper/Fax: All orders require signature(s). A CPMS pre-edit will reveal Any attempt to send an order for a
freeze (F) and client’s minor will reject the next day.
birthdate. “937 – Contract Rejected”
New Account Paper/Fax: All requests to create a new Out of scope
account require signature(s) on the Client
Application and Investment Instruction Form.

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Scenario or Decision Item
New Position in an existing
account
Non-Residents
Nova Scotia Home Ownership
Savings Plan (NHOSP)
Ontario Home Ownership
Savings Plan (OHOSP)
Open (Non-Reg)
PAC (Pre-Authorized
Contribution)
Participating Investment Plan
(PIP)
Refund of Excess Contribution
(T3012)
Business Submission Methods
Submission Method(s) Pre-edit Tip (if applicable) Business Link Tip (if applicable)
Business Link: A new position can be created
within an existing account. Business Link will
automatically detect whether a new position
needs to be opened or if a closed position
needs to be re-opened.
Email Form/Paper/Fax: All orders for clients CPMS will clearly display the Out of scope
whose address is not within Canada as per the client’s address.
CPMS pre-edit.
Paper/Fax: All orders require signature(s) on Out of scope
the legal form.
Paper/Fax: All orders require signature(s) on Out of scope
the legal form.
Business Link: Switch/Internal Transfers Any attempt to send an order to an
(Account must exist) invalid target account will reject the
Non-Reg to Non-Reg same day.
Non-Reg to RSP “056 Invalid Taxable Event”
Non-Reg to Spousal RSP
Non-Reg to In Trust
Sells
Order Forms: IGFS/LSIL: New PAC for an
existing or new position (account must exist) or
a change to an existing PAC.
Paper/Fax: All orders involving PIP or Out of scope
Company PIP accounts.
Paper/Fax – Gov’t Form: All orders require Out of scope
signature(s) on the government form T3012.
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 Business Submission Methods
Scenario or Decision Item Submission Method(s)
Real Property Fund Business Link: Switch/Internal Transfers
As Source or Target fund.
Sells
NOTE: Please read tips to understand
implications.
RESP IGFS/LSIL Order Forms: All Sell, Switch or
Internal Transfer orders where RESP is the
source or target account.
Pre-edit Tip (If applicable)
Submitting orders for
Investors Real Property Fund
[ PDF: 51 K / 1 page ]
Capital and Earnings
amounts are stored at the
Account (plan) level in SAS.
CPMS reports the capital and
earnings at the position level.
To confirm capital and
earnings ratios, contact the
CCC Business Link Support
team, QGO or your AYS
Agent.
Business Link Tip (If applicable)
Submitting orders for Investors
Real Property Fund
[ PDF: 51 K / 1 page ]
Out of scope
Business Link does allow RESP
to be selected as a target
Account Type. However, if
attempted, it will error
immediately.
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Scenario or Decision Item
RIF
RIF – Spousal (Spousal RIF)
Business Submission Methods
Submission Method(s)
Business Link: Switch/Internal Transfers
(Account must exist)
RIF to RIF
RIF to Non-Reg (partials only)*
Sells – partials only
Email Form/Paper/Fax:
Total Switch/Internal Transfer
Total Sell
Business Link: Switch/Internal Transfers
(Account must exist)
Spousal RIF to Spousal RIF
Spousal RIF to Non-Reg
(partials only)*
Sells – partials only
Email Form/Paper/Fax:
Total Switch/Internal Transfer
Total Sell
Pre-edit Tip (If applicable)
Business Link Tip (If applicable)
Any attempt to send an order to
an invalid target account will
reject the same day.
“056 Invalid Taxable Event”
* Business Link partial transfers to
a Non-Reg account will use a
“Blending” calculation to charge
the proper withholding tax,
including a percentage of the
minimum.
Any attempt to submit a total RIF
sell or transfer will result in full
taxes being charged (minimum
excluded).
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 Business Submission Methods

Scenario or Decision Item Submission Method(s) Pre-edit Tip (If applicable) Business Link Tip (If applicable)

RSP Business Link: Switch/Internal Transfers Any attempt to send an order to

(Account must exist) an invalid target account will
RSP to RSP reject the same day.
RSP to RIF “056 Invalid Taxable Event”
RSP to Group RSP

Possible but tax implications:

RSP to Spsl RSP
RSP to Non-Reg

Sells

RSP – Spousal (Spousal RSP)

Business Link: Switch/Internal Transfers
(Account must exist)
Spsl RSP to Spsl RSP
Spsl RSP to Spsl RIF
Spsl RSP to Group RSP

Possible but tax implications:

Spsl RSP to RSP
Spsl RSP to Non-Reg

Sells

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 Business Submission Methods
Scenario or Decision Item Submission Method(s)
RS Loans Business Link:
Switch/Internal Transfers
Any position that is linked to a
Solutions Banking RS Loan.
Sells
Any position that is linked to a
Solutions Banking RS Loan.
Order Forms: IGFS/LSIL:
Switch/Internal Transfers
Any position that is linked to a TD
Greenline RS Loan.
Sells
Any position that is linked to a TD
Greenline RS Loan and you require
the held units to be adjusted.
Pre-edit Tip (If applicable) Business Link Tip (If applicable)
CPMS will display the RS TD Greenline RS Loans are
Loan on the Account Details frozen and will reject next day.
screen. The RS Loan field
will indicate ‘Yes’ or ‘No’. Solutions Banking RS Loans are
Original Amount no longer not frozen and will process.
applicable; it will always
display $0.00.
TD Greenline RS Loans will
also flag the position as
frozen (F). Solutions Banking
RS Loans will not be frozen.
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 Business Submission Methods
Scenario or Decision Item Submission Method(s)
Series – Transfer Rules Business Link:
Switch/Internal Transfers:
C DSC to C DSC
C NL to C NL
C NL to C DSC
A to A (incl. Corp. Class and Alto)
B to B (incl. Corp. Class and Alto)
B to A (incl. Corp. Class and Alto)
Order Forms: IGFS/LSIL: Same
Order Forms: IG Funds in IGSI: Same
Paper/Fax/Email:
C DSC to Corp Class A
C NL to Corp Class B
C DSC to Alto Portfolio A
C NL to Alto Portfolio B
Share Purchase Plan (SPP) Order Forms: IGFS/LSIL: All SPP orders.
Pre-edit Tip (If applicable)
A pre-edit using CPMS will
confirm if the position is an
SPP. The name of the fund
includes ‘SPP’.
The Instructions and
Transaction screens in CPMS
will only reflect the
contribution portion. The
insurance portion is still being
collected and remitted to
GWL to retain the insurance
coverage. Any inquiries
about SPP insurance should
be directed to the Share
Purchase mailbox.
Business Link Tip (If applicable)
Note that any attempt to submit
an invalid cross-series switch will
result in an immediate error
message.
“853 Switches between these funds is
restricted.”
This includes the Corporate Class
and Alto Portfolio Funds.
Out of scope
Business Link will return an
immediate error message.
“123 Orders not allowed for the
Fund ID”
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Scenario or Decision Item
STP (Systematic Transfer Plan)
SWP (Systematic Withdrawal
Plan)
Systematics on a collapsed
position
Business Submission Methods
Submission Method(s) Pre-edit Tip (If applicable) Business Link Tip (If applicable)
Order Forms: IGFS/LSIL: New STP for an
existing or new position (account must exist and
be paying out Gross or Net) for RIF, LIF or LRIF.
Also permits changes to an existing RIF, LIF or
LRIF STP.
Email/Paper/Fax: Creating a new RIF/LIF/LRIF
STP when the existing account is paying out
Minimum or Maximum.
Order Forms: IGFS/LSIL: New SWP for an
existing or new position (account must exist and
be paying out Gross or Net). Also permits
changes to an existing SWP.
Email/Paper/Fax: Creating a new RIF/LIF/LRIF
SWP when the existing account is paying out
Minimum or Maximum.
RIF/LIF/LRIF SWP: If collapsing a RIF, LIF or RIF/LIF/LRIF SWP – the
LRIF position with a SWP, the SWP will not move collapsed fund’s systematic
automatically. Submit a request using the Order will still display on the
Forms: IGFS/LSIL (SWP RIF New or the SWP Instructions screen as Active
LIF/LRIF New form). if CPMS is set to view zero
balance positions. If CPMS is
Non-Reg SWP and PAC: When a fund collapses set to view positions with
on a transfer, if the client listed on the ‘to’ and values greater than zero, the
‘from’ accounts is the same, the SWP will move systematic will not be shown.
automatically only if there is not an active or
inactive systematic on the ‘to’ fund.
STP (RIF/LIF/LRIF/Non-Reg): All STP changes
must be submitted via Order Forms: IGFS/LSIL
or email to the National Call Centre or ZQSO
mailbox (Quebec).
Page 12 of 13
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 Business Submission Methods

Scenario or Decision Item Submission Method(s) Pre-edit Tip (If applicable) Business Link Tip (If applicable)

T2033 (RRSP Transfer) Paper/Fax - Gov’t Forms: All orders require Out of scope
signature(s) on the government form T2033.
Term Certain Annuity (TCA) Email Form/Paper/Fax: All orders. Out of scope
U.S. Money Market Fund Email Form/Paper/Fax: All orders. Note: Any attempt to use U.S. Money
Original Business Link training module incorrectly Market Fund (all series) as a
states Sells are In Scope. source or target position will
return an immediate error.
“123 - Orders not allowed for the
Fund ID”
Unit Certificates Business Link: A pre-edit on CPMS will An attempt to submit an order that
display the units held per requires the units held by
If any units are held by certificate within a position, position. Certificate(s) must certificate will reject the order the
the certificate must be cancelled prior to be cancelled prior to entering next day.
submitting the Business Link order. the order on Business Link. “ 937 – Contract Rejected”

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