1. Overcoming Compliance Burdens with the right technology

2. What is NI 31-103 and NI 81-101? Why should You be concerned? also known as: Point of Sale Reform - Stages 1 and 2 already implemented (January 2011 ) Stage 3 - coming soon Client Relationship Model Amendments (CRM2) – Effective July 15, 2013 and will be phased in over 3 year period They will result in a significant change to many advisors’ businesses, both positive and negative. A Summary of Legislative Changes

3. What will be required by advisors? Account Opening – Relationship Disclosure Information (RDI) Pre-trade – Charges related to transactions Post-trade – Summary of actual charges associated with the purchase or sale of a security. Quarterly – Account Statements Annually – Reporting on charges and compensation and investment performance

4. Why are the regulators doing this?  According to CSA’s research:- Investors currently do not receive this vital information Providing them with information about costs and performance will enable them to: Assess their progress toward their investing goals Determine the value of professional advice they receive

5. Do these amendments to 31-103 apply to all advice channels? The requirements will apply to the following with a direct relationship with retail investors: MFDA Dealers IIROC Dealers Banks Credit unions and Investment Counselors

6. How should I prepare for these changes? 1.Document Everything 2.Deliver all Disclosure and POS Documents 3.Use appropriate technology (Laptops, Tablets & Smartphones)

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