Application Process
Investment and RSP Loans
For advisor information only
EASE application process
At B2B Bank, we understand the importance of providing advisors
with efficient and user-friendly tools that simplify the application
process. That’s why we’ve created EASE, our Electronic Application
Submission Entry system, where you can quickly and easily enter,
save, print and submit investment and RSP loan applications on
behalf of your clients. Follow the EASE workflow on the next page or
use the full step-by-step instructions in this EASE guide for details
on how to submit loans online.
Benefits of applying online through EASE
• Save time with straightforward navigation and pre-populated forms.
• R
educe paperwork and avoid delays arising from missing
information or unclear handwriting on paper applications.
• Receive an application status email within seconds of submitting
an application.
• Track and monitor the status of your clients’ loan applications.
• Generate several types of reports to help you manage your business.
• Process all your loan applications online, including Distribution
Alliance loans, in one EASE location at b2bbank.com/EASE.
Investment and RSP Loans — EASE application process
EASE workflow
Go to b2bbank.com/EASE and log in to EASE.
Click on New loan at the top of the page and select the program of your choice.
Complete all tabs of the application. Print and review for accuracy. Changes cannot be made after
the application has been submitted for credit review. Ensure you and your client sign all documents.
Any changes made to the paper load application must be initialed by both you and your client.
Click on Submit for credit review. You will receive an email notification within seconds
confirming the status of the application. If the status is:
Dealer review:
Credit approved:
Under credit review:
you will be contacted
by email and/or fax.
See the next step.
you will be contacted
with a decision by email
and/or fax.
Credit declined:
you will be contacted by email,
phone and/or fax.
dealer will review and,
if approved, forward to
B2B Bank for adjudication.1
If approved, mail the application with all original signatures and the required documents to:
B2B Bank, Investment Lending, 199 Bay Street, Suite 600, PO Box 279 STN Commerce Court, Toronto ON M5L 0A2.
Please include the EASE transaction number on all mailed documentation.
The loan will be funded typically within one business day upon receipt and verification of the original
documentation. For Mutual Funds Investment Loans, funded proceeds are advanced into the borrower(s)
new or existing B2B Bank Dealer Services investment account.2
For Segregated Investment Loans, funded proceeds are advanced into the borrower(s)
new B2B Bank pledged account.
For RSP Loans, proceeds will be forwarded to B2B Bank for deposit into a RRSP-GIC, to B2B Bank
Dealer Services for deposit into a RRSP, or to the Distribution Alliance for contribution into a registered account.
For advisor information only
Page 2 of 16
Investment and RSP Loans — EASE application process
Step One — Log in to EASE
Use this easy to follow step-by-step guide to complete your investment
and loan applications online.
To access EASE, go to b2bbank.com/EASE.
For existing users
• Enter your access code and password, then click Enter.
For new users
• Click on the Not yet registered link and complete the Enrollment page.
You will receive an email confirming that your access code has been activated.
TIP: Ensure your profile is up to date to minimize delays by updating your information in the My Profile section located at the top of the menu folders on
the left side of the screen.
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Investment and RSP Loans — EASE application process
Step Two — Starting a new loan application
New loan
New loan
• Click on the New Loan button located at the top of the page.
• Click on the New Loan button located at the top of the page.
To retrieve an existing application
To retrieve
an folder
existing
application
• Click on the applicable
status
on the
left-hand side of
the screen. The
list
of
existing
loans
will
be
• Click on the applicable status displayed.
folder on the left-hand side of
• Click on the EASE
to select
a will
specific
application.
thetransaction
screen. The number
list of existing
loans
be displayed.
You can also search
an application
bytransaction
SIN number
or with
borrower’s
• Click
on the EASE
number
to the
select
a specific last
name by entering the
information in the Search Loan section and selecting Go.
application.
You can also search an application by SIN number or with the borrower’s
last name by entering the information in the Search Loan section and
selecting Go.
TIP: All of your client’s loans can be viewed at b2bbank.com/EASE. This includes applications submitted by paper or through other EASE
entry points.
TIP: All of your client’s loans can be viewed at b2bbank.com/EASE. This includes applications submitted by paper or through other EASE entry points.
Page 4
For advisor information only
Page 4 of 16
Investment and RSP Loans — EASE application process
Step Three — Select a program
B2B Bank Standard Loan
• Available for mutual fund investment loans and RSP loans.
B2B Bank Select Loan
• Available for mutual fund investment loans only. The list of B2B Bank
alliances is displayed for your information when you choose this option.
B2B Bank Distribution Alliance Loan
• Available for mutual and segregated fund investment loans and RSP loans.
Select the Distribution Alliance of your choice from the drop-down list.
TIP: For current interest rates, click on the link below the Program Selection box.
For advisor information only
Page 5 of 16
Investment and RSP Loans — EASE application process
Step Four — Complete the loan tab
For investment loans
• Click on the Loan tab.
• Select the Product and Loan Type.
• Enter the existing pledged account number, if available.
• If a new pledged account is being created, the borrower’s Social Insurance
Number (SIN) will be required.
• Enter the Amount Applied For.
• Select the Monthly Payment Type and the Amortization.
• If you are pledging collateral, select the Pledged Information box to have the
Pledge Collateral section expand. Indicate the method(s) of pledging collateral.
• If pledged collateral is in the form of cash or cheque, click Yes for
Cash/Cheque and specify the amount.
• Cash is deposited to the borrower(s) investment account by the financial
advisor prior to funding of the investment loan. This option is not available
for Segregated Fund loan types.
• Cheques are payable to B2B Bank, B2B Bank Financial Services Inc., B2B Bank
Securities Services Inc. or B2B Bank Intermediary Services Inc. and
accompanied by the Investment Loan Application (all loan types).
• If the pledge is in the form of collateral, confirm the fund collateral eligibility by
selecting Validate Fund Collateral Eligibility. Eligible funds will receive a green
checkmark. Non-eligible funds will receive a red “x”. Our complete Fund Collateral
Eligibility List may be found at the bottom of the online applicable screen for
reference purposes.
• If paying out another financial institution, complete the Letter of Direction.
TIP: The Monthly Payment amount, and other details of the loan, will appear at the top right corner of the page.
The First Payment Date will be calculated automatically. Modifications can be made to the day field (DD).
For advisor information only
Page 6 of 16
Investment and RSP Loans — EASE application process
Step Four — Complete the loan tab
For RSP loans
• Click on the Loan tab.
• Select the Product and Loan Type.
• Enter the dollar amount of the loan (Amount Applied For) and the
corresponding Registered Account Number where the loan proceeds will
be invested. If funds will be invested in more than one registered account,
or if an existing loan is to be paid out, enter these amounts separately and
the total of the Amount Applied For fields will be display in the Total Loan
Amount field. For new accounts, enter “new” in the Registered Account
Number field.
• Select the Amortization and the Deferral Option.
• If paying out another financial institution, complete the Letter of Direction.
TIP: The Monthly Payment amount, and other details of the loan, will appear at the top right corner of the page.
The First Payment Date will be calculated automatically. Modifications can be made by the day field (DD).
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Investment and RSP Loans — EASE application process
Step Five — Enter borrower information
• Complete all fields. Those marked with a red asterisk are mandatory.
The SIN field is a required field for investment loans funded to a
B2B Bank Dealer Services Investment Account.
• The preferred language field determines the language in which the loan
application will be printed.
• If there is a co-borrower, click Yes. A Co-Borrower tab will appear once
the primary borrower’s information has been completed and you have
clicked on Next.
• There are two options available for the ownership of assets held in the
investment account when all of the borrowers reside in jurisdictions other
than Quebec: Joint Tenancy with Rights of Survivorship and Tenancy in
Common. If any of the borrowers reside in Quebec, the only option for
co-ownership of assets held in the investment account is Joint.
Step Six — Enter assets
• From the drop-down menu, select the appropriate Asset Type.
• Enter the description of the asset. For example, if the asset is Principal
Residence, specify the type of residence (single family, condo, etc.).
• Include the market value of the asset in the Amount field.
• Click on the Add button to save the asset. To enter additional assets,
simply repeat the above steps.
TIP: Total Assets will automatically be calculated and displayed
at the bottom of the page.
For advisor information only
Page 8 of 16
Investment and RSP Loans — EASE application process
Step Seven — Enter liabilities
• From the drop-down menu, select the applicable Liability Type
such as Mortgage, Bank Loan, Credit Card.
• The Institution Name field refers to where the liability is held.
• Indicate the Monthly Payments and the Total Amount of
the outstanding liability.
• Click on the Add button to save the liability. To include additional liabilities,
simply repeat the above steps.
All liabilities for which borrowers are entirely or partially responsible must
be disclosed.
TIP: Total amounts and Declared Net Worth will automatically be calculated and displayed at the bottom of the page.
Step Eight — Provide any other instructions
• Use the Other tab to provide additional loan information and/or
special instructions.
TIP: The History tab will be displayed as soon as the application is saved. This tab provides a detailed record of the loan status, including the user’s first
and last name and the current status of an application.
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Investment and RSP Loans — EASE application process
Step Nine — Submit the application
To complete the process, click on each of the following buttons:
• Save — use this feature to prevent loss of any data if you are unable to
complete the loan application in one session. A confirmation of the status
and a new EASE transaction number will be displayed in the upper-left
corner of your screen.
• Inputs Are Complete — Verify that all the required fields have been filled
in correctly. An error message will appear at the bottom of your screen for
any missed fields.
TIP: If you would like to switch programs without losing all the data entered (for example, switching from the B2B Bank Standard Loan Program to the B2B Bank
Select Loan Program), click on the Program Switch button. This functionality is no longer available once the application has been submitted for credit review.
For advisor information only
Page 10 of 16
Investment and RSP Loans — EASE application process
Step Ten — Submit the application
To complete the process, click on each of the following buttons:
• Print Loan Forms — Review the printed paper version for accuracy.
Both you and your client must sign the application.
• Submit For Credit Review — Review the checklist requirements and
confirm each requirement has been obtained. This is the final step.
Ensure the application has been accurately completed.
Changes cannot be made once it has been submitted.
The application process is now complete. You will receive an email notification
from B2B Bank confirming the status of the application.
TIP: The EASE transaction number identifies your client’s loan application. Please take note of this number as it must be included on all mailed
documentation. You can also use this number to perform searches on EASE.
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Investment and RSP Loans — EASE application process
Required documentation
For mutual fund investment loans where proceeds are advanced to B2B Bank Dealer Services
Documentation
Required
Original, completed and signed Investment Loan Application
Void cheque from the client’s personal account
For all investment loan applications.
Letter of Privilege
For investment loan applications from the B2B Bank Select Loan
Program or the B2B Bank Distribution Alliance Loan Program.
Movable Hypothec on Investment Securities
For investment loan applications in Quebec only.
Proof of assets
For 100% Loans of greater than $100,000.
Investment instructions for B2B Bank
Mutual Fund Investment Loans
B2B Bank Dealer Services Investment
Account: complete the B2B Bank Dealer
Services Mutual Fund Trade Ticket. To open
a new B2B Bank Dealer Services Investment
Account on behalf of your client, please also
complete the appropriate B2B Bank Dealer
Services Investment Account Application for
your records.
Upon request for 100% Loans up to and including $100,000 and
for 3 For 1, 2 For 1 and 1 For 1 Loans.
Proof of income
Salaried income — Recent pay stub or Notice of Assessment
Commissioned income — Last two years’ Notice of Assessment
Self-employed income — Last two years’ Notice of Assessment and Financial Statements
For 100% Loans of greater than $100,000.
Upon request for 100% Loans up to and including $100,000 and
for 3 For 1, 2 For 1 and 1 For 1 Loans.
Letter of Direction
If paying out another financial institution.
Pledge Letter3, cash or cheque payable to B2B Bank Financial
Services Inc., B2B Bank Securities Services Inc., or B2B Bank
Intermediary Services Inc.
If paying out another financial institution or if pledging collateral on
3 For 1, 2 For 1, and 1 For 1 Loans.
If cash is pledged as collateral, advisors are required to deposit
into the client’s pledged account prior to funding.
Securities Control Agreement
For all investment loan applications.
Investment Account Application
For loans funded to a B2B Bank Dealer Services Account, borrower must submit a completed Investment Account Application
to their Advisor.
For advisor information only
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Investment and RSP Loans — EASE application process
Required documentation
For segregated fund investment loans with a dually licensed advisor associated with an MGA affiliate where proceeds are advanced to B2B Bank Dealer Services
Documentation
Required
Original, completed and signed Investment Loan Application
Void cheque from the client’s personal account
Original insurance application with purchase instructions
Original Assignment, Hypothecation, Acknowledgement and Direction
For all investment loan applications.
Movable Hypothec on an Insurance Policy with investment/
purchase instructions, where B2B Bank is the beneficiary
For investment loan applications in Quebec only.
Proof of assets
For 100% Loans greater than $100,000.
Investment instructions for B2B Bank
Segregated Fund Investment Loans
B2B Bank Dealer Services Investment
Account: complete the B2B Bank Dealer
Services Segregated Fund Trade Ticket.
To open a new B2B Bank Dealer Services
Investment Account on behalf of your client,
please also complete the appropriate B2B
Bank Dealer Services Investment Account
Application for your records.
Upon request for 100% Loans up to and including $100,000 and
for 3 For 1, 2 For 1 and 1 For 1 Loans.
Proof of income
For 100% Loans of greater than $100,000.
Salaried income — Recent pay stub or Notice of Assessment
Commissioned income — Last two years’ Notice of Assessment
Self-employed income — Last two years’ Notice of Assessment and Financial Statements
Upon request for 100% Loans up to and including $100,000 and
for 3 For 1, 2 For 1 and 1 For 1 Loans.
Letter of Direction or B2B Bank Purchase/Redemption form
If paying out another financial institution.
Notice of Investments3 and/or cheque payable to B2B Bank
If paying out another financial institution or if pledging
collateral on 3 For 1, 2 For 1, and 1 For 1 Loans.
Securities Control Agreement
For all investment loan applications.
Investment Account Application
For loans funded to a B2B Bank Dealer Services Account,
borrower must submit a completed Investment Account
Application to their Advisor.
Page 13 of 16
Investment and RSP Loans — EASE application process
Required documentation
For segregated fund investment loans with an Independent MGA where proceeds are advanced to B2B Bank
Documentation
Required
Original, completed and signed Investment Loan Application
Void cheque from the client’s personal account
Original insurance application with purchase instructions
Original Assignment, Hypothecation, Acknowledgement
and Direction
For all investment loan applications.
Movable Hypothec on an Insurance Policy with investment/
purchase instructions, where B2B Bank is the beneficiary
For investment loan applications in Quebec only.
Proof of assets
For 100% Loans greater than $100,000.
Investment instructions for B2B Bank
Segregated Fund Investment Loans
For segregated fund loans and corresponding
pledged accounts at B2B Bank, indicate
the purchase and assignment of policies
instructions on the supporting original
insurance application or on the B2B Bank
Segregated Fund Trade Ticket.
Upon request for 100% Loans up to and including $100,000 and
for 3 For 1, 2 For 1 and 1 For 1 Loans.
Proof of income
Salaried income — Recent pay stub or Notice of Assessment
Commissioned income — Last two years’ Notice of Assessment
Self-employed income — Last two years’ Notice of Assessment and Financial Statements
For 100% Loans of greater than $100,000.
Upon request for 100% Loans up to and including $100,000 and
for 3 For 1, 2 For 1 and 1 For 1 Loans.
Letter of Direction or B2B Bank Purchase/Redemption form
If paying out another financial institution.
Notice of Investments3 and/or cheque payable to B2B Bank
If paying out another financial institution or if pledging
collateral on 3 For 1, 2 For 1, and 1 For 1 Loans.
For advisor information only
Page 14 of 16
Investment and RSP Loans — EASE application process
Required documentation
RSP loans
Documentation
Required
Original, completed and signed RSP Loan Application
Void cheque from the client’s personal account
For all RSP loan applications.
Letter of Direction
If paying out another financial institution.
Proof of assets
Upon request
Proof of income4
Required for registered savings plan loan amounts greater than
the maximum RRSP deduction limit for the current year, or loans
with a term longer than 2 years.
Salaried income — Recent pay stub or Notice of Assessment
Commissioned income — Last two years’ Notice of Assessment
Self-employed income — Last two years’ Notice of Assessment and Financial Statements
Investment instructions for B2B Bank Standard RSP Loans
B2B Bank Dealer Services RRSP Account: complete the B2B Bank Dealer Services Mutual Fund Trade Ticket. To open a new
B2B Bank Dealer Services RRSP Account on behalf of your client, please also complete the appropriate B2B Bank Dealer Services
RRSP Account Application.
B2B Bank RRSP-GIC Account: or new and existing accounts, please complete the required information and indicate the investment
instructions on the B2B Bank RSP or RIF Account Application.
TIP: To obtain B2B Bank forms, visit b2bbank.com/forms.For B2B Bank Dealer Services applications and forms, visit b2bbank.com/dealerservices.
Page 15 of 16
Investment and RSP Loans — EASE application process
Mailing instructions
Mail all original, completed and signed applications and required supporting documentation to:
B2B Bank, Investment Lending
199 Bay Street, Suite 600
PO Box 279 STN Commerce Court
Toronto ON M5L 0A2
Please include the EASE transaction number on all mailed documentation.
Remember, original documentation must be received and verified by B2B Bank in order to fund the loan.
Final confirmation
You will receive an email and/or fax from B2B Bank confirming that the loan has been funded. Verify the details of the funded loan confirmation for accuracy.
For more information on EASE or on the B2B Bank Investment and RSP Loan Programs, please contact us at 1.800.263.8349 or visit b2bbank.com.
Some dealers may request an initial review of all documentation. 2If the borrower does not have an existing account, B2B Bank Dealer Services will automatically open an investment account on behalf of the borrower. 3Pledged funds
must be unencumbered and in the name of the borrower(s) only. 4Additional documentation may be requested at the discretion of B2B Bank. B2B Bank does not provide investment advice to individuals or advisors and does not endorse
nor promote any investment products. The dealer and advisor, not B2B Bank, are responsible for determining the suitability of investments for their clients and for informing them of the risks associated with borrowing to invest.
B2B Bank acts solely in the capacity of lender and loan account administrator. Any loan approval from B2B Bank should not be construed as an endorsement of any investment choice, program or strategy. All loans
are subject to credit approval and borrowed monies are due and payable regardless of the performance of the investments purchased. B2B Bank reserves the right to request additional information or documentation
at its sole discretion. Special note for Segregated Fund Investments: The costs of the registration, renewal and/or discharge of the security under applicable personal property security legislation will be applied to
the borrowers’ loan payment at the time of the occurrence. B2B Bank will take an assignment on the individual variable insurance contract, which will be held as collateral. Advisors should be aware that a segregated
fund policy or any other investment product with a principal guarantee feature or other guaranteed benefits could be surrendered by B2B Bank to repay the loan. Investors cannot depend on any principal repayment
guarantees or other guaranteed benefits until such time as all conditions for the payment of guarantees or benefits are satisfied. Any surrenders made by B2B Bank to repay the loan may affect guarantees or benefits,
may result in a loss of original invested capital and/or other guaranteed benefits, including but not limited to guaranteed minimum withdrawal benefits, and may have tax consequences. B2B Bank Dealer Services
includes B2B Bank Financial Services Inc. (an MFDA member), B2B Bank Securities Services Inc. (an IIROC member, Member — Canadian Investor Protection Fund), and B2B Bank Intermediary Services Inc.
(an AMF-regulated dealer operating in Quebec). ®B2B BANK is a registered trademark of B2B Bank.
1
For advisor information only
817-08-456E (08/01/2014)
Page 16 of 16