IPC Investments Accounts Addendum

The Relationship Disclosure Information is a document that helps you understand the nature of your relationship with us. You received a copy of this document when you opened an account with IPCIC (called the “Client Information Booklet”). This document is being updated, effective as of the date of amalgamation. When effective, it will be posted at https://www.ipcc.ca/relationship-disclosure. If you’d like a paper copy, please let your advisor know.

Impacted Account Types:

• Nominee
• Client Name
• Registered (including RRSPs, RRIFs, and TFSAs)
• Non-Registered

What this means for you as of October 1, 2026.

We have redrafted the Relationship Disclosure Information document (RDI) that will be applicable to clients of IPCW, to improve overall clarity and ensure that clients understand their obligations, the obligations of IPCW and know what to expect with respect to service levels and costs. Below, we have summarized key changes to the existing IPCIC information disclosure documents.

• Client Fees & Pricing – We’ve updated the section which speaks to fees and pricing, including a description of the new annual administrative fee.
• Products – Changes have been made to our product shelf to add additional products, and to provide broader access to products such as Exchange Traded Funds (ETFs).
• KYC Definitions and Suitability – Terms related to “Know Your Client” information and Investment Suitability have been updated to improve clarity.
• Removed Content – Details related to the administration of joint accounts have been moved to the non-registered account application. Details relating to reporting requirements for Anti Money Laundering and Politically Exposed Persons have been moved to a standalone document. If you’d like to see a copy of any of these documents, please contact your advisor or see below.

You receive annual, quarterly, and sometimes monthly statements reflecting your portfolio holdings. Starting in October 2026, your statements will have a new look to reflect the amalgamation.

What this means for you as of October 1, 2026.

While the new account statements are designed to be more streamlined and make it even easier for you to understand your portfolio, some of the information presented in your account statements may look a little different.

1. Insights into your investments: The statement will include information regarding your investments, a summary of all accounts and any changes in value, a revised presentation of investment holdings, and an overview of the portfolio’s investment mix.
2. Performance reporting: The statement will include a year-over-year overview of portfolio performance reporting and a personalized rate of return calculated for each plan.
3. Explanatory information: Additional definitions and descriptions will be provided throughout the statement to support with understanding of key terms and information. If you have any questions about the new look of your account statements and understanding the information provided, feel free to reach out to your advisor.

If you have a registered account (including RRSPs, RRIFs, TFSAs and RDSPs) in nominee name (other than an account that is carried by B2B Bank Financial Services Inc.) the name of the Agent for these accounts and specimen plan name will be updated.

Impacted Account Types:

• Nominee
• Registered (including RRSPs, RRIFs, and TFSAs)

What this means for you as of October, 2026.

The Declaration of Trust for your registered accounts will reflect “IPC Wealth Inc.” instead of “IPCIC” as Agent and the specimen plan name will change.

The new Declaration of Trust can be reviewed below.

If you have a locked-in registered account, the applicable addendums are also available for review below.

Change to some administrative terms relating to Rebalancing Agreement.

Impacted Account Types:

• Nominee

What this means for you as of October 1, 2026.

If you signed a Rebalancing Agreement, there are a few changes.

Rebalancing will take place on the 20th of the month instead of the 1st of the month.

The deviation from the specified target allocation must exceed $25, rather than $250, to trigger a rebalance.

Finally, the schedule for rebalancing is changing. If your last rebalancing date is December 1, 2026 and:

• You have elected quarterly rebalancing, then the next rebalancing will be triggered on April 20, 2027.
• You have elected semi-annual, then the next rebalancing will be triggered on July 20, 2027.
• You have elected annual rebalancing, then the next rebalancing will be triggered on July 20, 2027.

You can find a copy of the updated Rebalancing Agreement below.

Change in redemption hierarchy applied to nominee account automatic withdrawal plan allocations if the initial instructions are not clear or missing.

Impacted Account Types:

• Nominee

What this means for you as of October 1, 2026.

If you have signed up for an automatic withdrawal plan and your instructions are not clear or missing, then we will apply the following redemption hierarchy:

• Client Cash Account
• Money Market fund — highest market value — No load/Front end
• Any Non Money Market fund — highest market value — No load/Front end
• Money Market fund — highest market value — Back end
• Any Non-Money Market fund — highest market value — Back-end

You can find the updated account terms and conditions below.

Changes to the administration of the Fee for Service Program Authorization Form (“FFS Agreement”)

Impacted Account Types:

• Nominee

What this means for you as of October 1, 2026.

When you signed a FFS Agreement, the Advisory Fee was withdrawn from either the Cash Account or the fund of your choice, as per your instructions.

If you did not specify a selection or if the designated Cash Account or fund of choice does not have sufficient cash or units, we will withdraw the Advisory Fee based on the following default hierarchy:

• Client Cash Account
• Money Market fund — highest market value — No load/Front end
• Any Non Money Market fund — highest market value — No load/Front end
• Money Market fund — highest market value — Back end
• Any Non-Money Market fund — highest market value — Backend

Your Fee for Service rate to which you agreed will not change.

You can find a copy of the updated Dealer Fee for Service Agreement below.

Introduction of minimum threshold in registered savings or income plans in nominee name.

Impacted Account Types:

• Nominee
• Registered (including RRSPs, RRIFs, and TFSAs)

What this means for you as of October 1, 2026.

If you have a registered savings or income plan in nominee name, we may redeem and terminate the registered plan if your balance falls below certain threshold. The threshold is $750. There is no minimum threshold for TFSA nominee name accounts.

You can find the updated account terms and conditions below.

Time period for identifying any errors in account statements, trade confirmations and other communications.

Impacted Account Types:

• Nominee
• Client Name
• Registered (including RRSPs, RRIFs, and TFSAs)
• Non-Registered

What this means for you as of October 1, 2026.

It is your responsibility to review your account statements, trade confirmations and other communications and notify us in writing of any errors. You have 30 days from the date of such confirmation, statement or communication to send this written notification to us.

You can find the updated account terms and conditions below.