PLEASE NOTE: All references made to Antara Financial Group, Independent Planning Group Inc. (IPG) and IPG Insurance includes: all Antara Financial Group's officers and employees as well as Independent Planning Group Inc.'s officers, directors, managers and employees.

CLIENT RECORD AND PERSONAL INFORMATION: The personal information collected about you for the purposes identified in Antara Financial Group's Privacy Policy is held in a record called the "client record." The personal information collected may include (but is not limited to) your name, address and telephone number, employer name, address and telephone number, social insurance number, birth date, income and net worth, account holdings, the name, address, and birth date of your spouse or beneficiary, and medical/health information (insurance applications).

PURPOSE FOR COLLECTING PERSONAL INFORMATION: When you complete account documentation such as IPG's New Client Application form, Know-Your-Client form, Account Change or New Investment Application form, insurance company application or fund company application form, you are providing personal information and thereby providing consent to collect, hold, disclose and use personal information to Antara Financial Group, Independent Planning Group Inc. and/or IPG Insurance, including, where applicable, information concerning your spouse and beneficiary in order to:

1. open a new insurance or investment account with Independent Planning Group Inc./IPG Insurance/mutual fund company/insurance company;
2. assist your financial advisor to determine your insurance requirements;
3. apply for additional insurance coverage or amend existing insurance coverage
4. assist your financial advisor in the creation of a financial plan for you;
5. make a new investment or contribute to an existing investment;
6. transfer or redeem monies from an existing investment;

COLLECTING, HOLDING, USING AND DISCLOSING PERSONAL INFORMATION IN YOUR CLIENT RECORD: Antara Financial Group, Independent Planning Group Inc., IPG Insurance (or one of their employees) may collect, hold and use the personal information in your client record as well as collect personal information from or disclose your personal information to third parties identified in section 4 for the following purposes:

1. identifying you and ensuring the accuracy of information contained in your client record;
2. assisting your financial advisor in the creation of a financial plan;
3. assisting your financial advisor in determining the suitability of your investments or life policy;
4. assisting a mutual fund company or life insurance company in establishing and administering your account;
5. facilitating a transaction with a mutual fund company, financial institution or insurance company;
6. correcting errors on your accounts at Antara Financial Group, Independent Planning Group Inc., a mutual fund company or an insurance company;
7. providing you and your financial advisor with investment account statements, life insurance policy details, transaction confirmations and other information which you or your financial advisor may request as needed to service your accounts;
8. meeting legal and regulatory requirements;
9. verifying information you have previously given to any other organizations when necessary for the purposes provided in this Privacy Policy

THIRD PARTIES: Antara Financial Group, Independent Planning Group Inc., IPG Insurance (or one of their employees), may disclose your personal information for the purposes identified in this Privacy Policy to third parties such as other financial institutions, mutual fund companies, insurance companies, paramedical companies or any related administrative firms with whom you require service i.e. government agencies such as the Canada Customs and Revenue Agency, Human Resources Development Canada and securities regulatory bodies such as the Provincial Securities Commission and Financial Services Commission of Ontario, and self- regulatory bodies such as the Mutual Fund Dealers Association and any legal authority. If you wish to withdraw consent to the continuation of this information sharing or discuss the implications of such a withdrawal, please call 1-800-565-9219 and ask for the Privacy Officer. In some circumstances, legal requirements may prevent you from withholding consent. Your decision to withhold consent may also limit the products and services that Antara Financial Group, Independent Planning Group Inc. and your financial advisor is able to provide you because the disclosure to third parties is a necessary part of making the product or service available to you.

EMPLOYEES WHO HAVE ACCESS TO YOUR CLIENT RECORD: Employees of Antara Financial Group, Independent Planning Group Inc. and IPG Insurance, may have access to your client record provided they have a specific need to know in connection with the purposes identified in this Privacy Policy and access is permitted only to the extent necessary for such purposes.

LOCATION OF CLIENT RECORD: Your client record may be kept in electronic format at Antara Financial Group, Independent Planning Group Inc., or at IPG Insurance. Paper records forming part of your client record may be kept at Antara Financial Group, Independent Planning Group Inc., and/or at a related mutual fund company or life.

For more information on the Personal Information Protection and Electronic Documents Act (2000), see the Office of the Privacy Commissioner's website (http://www.privcom.gc.ca/fs-fi/index_e.asp) or download the Act from the Department of Justice website (http://laws.justice.gc.ca/en/P-8.6/index.html).