FWOD FACVU MD Uemecu Fvod - Uesjet I Jvoe 20, 2015 Vijt dpcvneou cpouajot lez jofpsnaujpo zpv tipvmd lopx abpvu MD Uemecu Fvod (uie "Fvod") Uesjet I. ]pv cao fjod npse deuajmt jo uie Fvod't tjnqmjfjed qsptqecuvt. Atl zpvs seqseteouaujwe fps a cpqz, cpouacu MD Qiztjcjao Ueswjcet Ioc., au 1 :00 289-2332, [email protected], ps wjtju nd.cna.ca. Befpse zpv jowetu jo aoz fvod, cpotjdes ipx uie fvod xpvmd xpsl xjui zpvs puies jowetuneout aod zpvs upmesaoce fps sjtl. Rvjcl facut Daue tesjet tuasued: Vpuam wamve pf uie Fvod po Aqsjm 30, 2015: Maoageneou eyqeote saujp (MET): Jaovasz 17, 2010 $572.: njmmjpo 0.00% Fvod Maoages: Qpsufpmjp Maoagest: MD Qiztjcjao Ueswjcet Ioc. QCJ Iowetuneou Cpvotem Lud.; Hjmmtdame Iowetuneou Maoageneou Ioc.; MD Qsjwaue Vsvtu Cpnqaoz; Macleo{je Fjoaocjam Cpsqpsaujpo Iocpne — Uewesam ujnet qes zeas Caqjuam gajot — Aoovammz, afues Decenbes 17 Iojujam - $3000 Addjujpoam - $1000 Djtusjbvujpot: Mjojnvn jowetuneou: Ziau dpet uie Fvod jowetu jo? Vie Fvod jowetut jo a djwestjfjed qpsufpmjp pf ervjujet, xjui uie qsjnasz fpcvt po Caoadjao cpnqaojet. Vie Fvod naz jowetu vq up 10% jo fpsejgo tecvsjujet. Vie ciasut bempx gjwe zpv a toaqtipu pf uie Fvod't jowetuneout po Aqsjm 30, 2015. Vie Fvod't jowetuneout xjmm ciaoge. Vpq 10 jowetuneout (Aqsjm 30, 2015) 1. 2. 3. 5. 7. 8. 9. :. ;. 10. Vie Baol pf Opwa Ucpuja Vie Vpspoup-Dpnjojpo Baol Tpzam Baol pf Caoada Uvocps Eoesgz, Ioc. Yameaou Qiasnacevujcamt Iouesoaujpoam, Ioc. jUiaset U&Q/VU\ 80 Iodey Fvod Maovmjfe Fjoaocjam Cpsqpsaujpo Caoadjao Oaujpoam Tajmxaz Cpnqaoz VELWU Cpsqpsaujpo Caoadjao Oauvsam Tetpvscet Lud. Vpuam qesceouage pf upq 10 jowetuneout Vpuam ovnbes pf jowetuneout Iowetuneou njy (Aqsjm 30, 2015) 7.:% 7.5% 7.2% 3.5% 3.0% 2.:% 2.8% 2.7% 2.3% 2.3% ;:.8% 1.3% 0.2% -0.1% Dpnetujc Ervjujet Cati & Cati Ervjwameout Fpsejgo Ervjujet Puies Oeu Atteut 37.3% 127 Hpx sjtlz jt ju? Vie wamve pf uie Fvod cao gp dpxo at xemm at vq. ]pv cpvmd mpte npoez. Poe xaz up gavge sjtl jt up mppl au ipx nvci a fvod't seuvsot ciaoge pwes ujne. Vijt jt cammed "wpmaujmjuz". Io geoesam, fvodt xjui ijgies wpmaujmjuz xjmm iawe seuvsot uiau ciaoge npse pwes ujne. Viez uzqjcammz iawe a gseaues ciaoce pf mptjog npoez aod naz iawe a gseaues ciaoce pf ijgies seuvsot. Fvodt xjui mpxes wpmaujmjuz ueod up iawe seuvsot uiau ciaoge mett pwes ujne. Viez uzqjcammz iawe mpxes seuvsot aod naz iawe a mpxes ciaoce pf mptjog npoez. Tjtl Taujog MD Qiztjcjao Ueswjcet Ioc. iat saued uie wpmaujmjuz pf uijt Fvod at nedjvn up ijgi. Vijt saujog jt bated po ipx nvci uie Fvod't seuvsot iawe ciaoged fspn zeas up zeas. Iu dpeto'u uemm zpv ipx wpmaujme uie Fvod xjmm be jo uie fvuvse. Vie saujog cao ciaoge pwes ujne. A fvod xjui a mpx sjtl saujog cao tujmm mpte npoez. Lpx Lpx up Medjvn Medjvn Medjvn up Hjgi Hjgi Fps npse jofpsnaujpo abpvu uie sjtl saujog aod tqecjfjc sjtlt uiau cao affecu uie Fvod’t seuvsot, tee “Ziau Ase uie Tjtlt pf Iowetujog jo uie Fvod?” tecujpo pf uie Fvod’t tjnqmjfjed qsptqecuvt. Op gvasaoueet Ljle nptu nvuvam fvodt, uijt Fvod dpet opu iawe aoz gvasaoueet. ]pv naz opu geu bacl uie anpvou pf npoez zpv jowetu. Qage 1 pf 3 MD Uemecu Fvod - Uesjet I Hpx iat uie fvod qesfpsned? Vijt tecujpo uemmt zpv ipx Uesjet I vojut pf uie Fvod iawe qesfpsned pwes uie qatu 3 zeast. Teuvsot ase afues eyqeotet iawe beeo dedvcued. Viete eyqeotet sedvce uie Fvod't seuvsot. ]eas-bz-zeas seuvsot Vijt ciasu tipxt ipx Uesjet I vojut pf uie Fvod qesfpsned jo eaci pf uie qatu 3 cameodas zeast. Vie Fvod dspqqed jo wamve jo 1 pf uie 3 zeast. Vie saoge pf seuvsot aod ciaoge fspn zeas up zeas cao iemq zpv attett ipx sjtlz uie Fvod iat beeo jo uie qatu. Iu dpet opu uemm zpv ipx uie Fvod xjmm qesfpsn jo uie fvuvse. 30% 1:.1 20% 10% 3.: 0% -10% 2013 -19.1 2012 -30% 2011 -20% Betu aod xpstu 3-npoui seuvsot Vijt uabme tipxt uie betu aod xpstu seuvsot fps Uesjet I vojut pf uie Fvod jo a 3-npoui qesjpd pwes uie qatu 3 zeast up Aqsjm 30, 2015. Vie betu aod xpstu 3-npoui seuvsot cpvmd be ijgies ps mpxes jo uie fvuvse. Cpotjdes ipx nvci pf a mptt zpv cpvmd affpsd up uale jo a tipsu qesjpd pf ujne. Teuvso Betu seuvso Zpstu seuvso 3 npouit eodjog If zpv jowetued $1,000 au uie begjoojog pf uie qesjpd 13.1% Decenbes 31, 2010 ]pvs jowetuneou xpvmd sjte up $1,131 (18.5)% Uequenbes 30, 2011 ]pvs jowetuneou xpvmd dspq up $:38 Awesage seuvso At au Aqsjm 30, 2015, a qestpo xip jowetued $1,000 jo Uesjet I vojut pf uie Fvod au jut jocequjpo xpvmd opx iawe $1,2;0. Vijt xpslt pvu up ao aoovam cpnqpvod seuvso pf 8.1%. Zip jt uijt Fvod fps? A xpsd abpvu uay Iowetupst xip: • Ase mppljog fps a fvod uiau jt tvjuabme at a cpse Caoadjao jowetuneou xjuijo a xemm djwestjfjed qpsufpmjp. • Ase teeljog a fvod uiau jowetut qsjnasjmz jo Caoadjao tupclt xjui tuspog gspxui qsptqecut. • Hawe ao jowetuneou ujne ipsj{po pf pwes ueo zeast at a tuaod ampoe fvod. Io geoesam, zpv’mm iawe up qaz jocpne uay po aoz npoez zpv easo po a fvod. Hpx nvci zpv qaz deqeodt po uie uay maxt xiese zpv mjwe, uie uzqe pf easojogt (j.e., jocpne ps caqjuam gajot), aod xieuies ps opu zpv ipmd uie Fvod jo a segjtuesed qmao, tvci at a Tegjtuesed Teujseneou Uawjogt Qmao ps a Vay-Fsee Uawjogt Accpvou. Keeq jo njod uiau jf zpv ipmd zpvs Fvod jo a opo-segjtuesed accpvou, uayabme fvod djtusjbvujpot ase jocmvded jo zpvs uayabme jocpne, xieuies zpv geu uien jo cati ps iawe uien sejowetued. Hpx nvci dpet ju cptu? Vie fpmmpxjog uabmet tipx uie feet aod eyqeotet zpv cpvmd qaz up bvz, pxo aod temm Uesjet I vojut pf uie Fvod. Vie feet aod eyqeotet - jocmvdjog aoz cpnnjttjpot - cao wasz anpog tesjet pf a fvod aod anpog fvodt. Hjgies cpnnjttjpot cao jofmveoce seqseteouaujwet up secpnneod poe jowetuneou pwes aopuies. Atl abpvu puies fvodt aod jowetuneout uiau naz be tvjuabme fps zpv au a mpxes cptu. 1. Uamet ciasget Viese ase op tamet ciasget aqqmjcabme up uijt Fvod. 2. Fvod eyqeotet ]pv dp opu qaz uiete eyqeotet djsecumz. Viez affecu zpv becavte uiez sedvce uie Fvod't seuvsot. At pf Decenbes 31, 2013, uie Fvod't eyqeotet xese 0.30% pf jut wamve. Vijt ervamt $3.00 fps ewesz $1,000 jowetued. Aoovam saue (at a % pf uie fvod't wamve) Maoageneou eyqeote saujp (MET) Vijt jt uie upuam pf uie Fvod't naoageneou fee, adnjojtusaujpo fee aod puies pqesaujog eyqeotet. 0.00% Vsadjog eyqeote saujp Viete ase uie Fvod’t usadjog cptut. 0.30% Fvod eyqeotet 0.30% Qage 2 pf 3 MD Uemecu Fvod - Uesjet I Mpse abpvu usajmjog cpnnjttjpot MD Qiztjcjao Ueswjcet Ioc. dpet opu qaz aoz usajmjog cpnnjttjpot jo setqecu pf vojut pf uie Fvod. 3. Puies feet ]pv naz iawe up qaz puies feet xieo zpv bvz, ipmd, temm ps txjuci vojut pf uie Fvod. Fee Ziau zpv qaz Maoageneou fee Vie Uesjet I aoovam naoageneou fee jt oegpujaued xjui, aod qajd djsecumz bz, uie vojuipmdes up uie Maoages. Vie nayjnvn fee qazabme jt 1.27%. A vojuipmdes nvtu eoues joup ao Iotujuvujpoam Agseeneou xjui uie Maoages up qvsciate Uesjet I pf uie vojut pf uie Fvod. Adnjojtusaujpo fee Vie Uesjet I adnjojtusaujpo fee jt oegpujaued xjui, aod qajd djsecumz bz, uie vojuipmdes up uie Maoages. Vie nayjnvn fee qazabme jt 0.17% (qmvt aqqmjcabme uayet, jocmvdjog HUV). Easmz sedenqujpo fee 2% pf uie anpvou sedeened ps txjucied xjuijo tjyuz (80) dazt fspn uie daue uie vojut xese qvsciated ps txjucied. Vsaotfes-pvu fee $137 qmvt aqqmjcabme uayet (fps usaotfes pf ejuies ao MD Tegjtuesed qmao ps Opo-segjtuesed accpvou up aopuies fjoaocjam jotujuvujpo). Ziau jf I ciaoge nz njod? Fps npse jofpsnaujpo Wodes tecvsjujet max jo tpne qspwjocet aod uessjupsjet, zpv iawe uie sjgiu up: Cpouacu MD Qiztjcjao Ueswjcet Ioc. ps zpvs seqseteouaujwe fps a cpqz pf uie Fvod’t tjnqmjfjed qsptqecuvt aod puies djtcmptvse dpcvneout. Viete dpcvneout aod uie Fvod Facut nale vq uie Fvod’t megam dpcvneout. • xjuidsax fspn ao agseeneou up bvz nvuvam fvodt xjuijo uxp bvtjoett dazt afues zpv secejwe a tjnqmjfjed qsptqecuvt ps Fvod Facut dpcvneout, ps • caocem zpvs qvsciate xjuijo 5: ipvst afues zpv secejwe cpofjsnaujpo pf uie qvsciate. Io tpne qspwjocet aod uessjupsjet, zpv amtp iawe uie sjgiu up caocem a qvsciate, ps jo tpne kvsjtdjcujpot, cmajn danaget, jf uie tjnqmjfjed qsptqecuvt, aoovam jofpsnaujpo fpsn, Fvod Facut dpcvneou ps fjoaocjam tuaueneout cpouajo a njtseqseteouaujpo. ]pv nvtu acu xjuijo uie ujne mjnju teu bz uie tecvsjujet max jo zpvs qspwjoce ps uessjupsz. Fps npse jofpsnaujpo, tee uie tecvsjujet max pf zpvs qspwjoce ps uessjupsz, ps atl a maxzes. Qage 3 pf 3 MD Qiztjcjao Ueswjcet Ioc. 1:90 Amua Yjtua Dsjwe Puuaxa, Pouasjp K1G 8T9 Vpmm fsee: 1 :00 289-2332 Enajm: [email protected] Zeb: nd.cna.ca Vp measo npse abpvu jowetujog jo nvuvam fvodt, tee uie bspcivse Wodestuaodjog nvuvam fvodt, xijci jt awajmabme po uie xebtjue pf uie Caoadjao Uecvsjujet Adnjojtusaupst au xxx.tecvsjujet-adnjojtusaupst.ca.
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