MCAP Service Corporation



Return of this completed form is required prior to us being able to release the funds.

Identification Verification & Attestation Requirements For Individuals

|Loan Number: |Property Address: |

In order for the borrower(s) to open this mortgage account, and for MCAP to comply with Canada's Proceeds of Crime (Money Laundering) and Terrorist Financing Act (the "Act") and its associated regulations, the identity of individuals must be verified, along with the existence and/ or involvement of any third parties. MCAP mandates you to ascertain the identity of each Borrower and Guarantor and to complete this form in full prior to the release of funds. Please note that by accepting the Commitment Letter, the Borrower(s) and Guarantor(s) have authorized the collection of personal information to be used to ascertain their identity in accordance with the requirements of the Act and its regulations.

If there are more than two Borrowers or one Guarantor or one PEP, please use additional copies of this form.

How many forms have been completed for this loan? # of Forms: .

|SECTION A: |ID VERIFICATION AND SOURCE OF PAYMENTS AND INTENDED PURPOSE |

| |(Completion is MANDATORY for EACH Borrower and Guarantor) |

|Borrower #1: |

|Last Name |First Name |Middle Name |

| | | |

|Date of Birth (DD/MM/YY) |Sex |Personal Phone Number: (Where you may be reached after the closing of this transaction) |

| | | |

|Name of Employer |Occupation /Position (Fully Describe Job and Title) |

| | |

|Address of Employer (Location where you work) |Type of Income (Circle One) |

|Street | |

|City Province |Salary / Commission / Business / Pension / |

| |Other (please state) |

|Type of Document (Refer to Exhibit 1 for acceptable forms of |Document Number |

|ID) | |

| | |

|Expiry Date (DD/MM/YY) |Place of Issue |Country of Issue |

| | | |

|Type of Document (Refer to Exhibit 1 for acceptable forms of |Document Number |

|ID) | |

| | |

|Expiry Date (DD/MM/YY) |Place of Issue |Country of Issue |

| | | |

|Source of Down Payment (only applies to Purchases): |

|With the purchase of this Property I am providing equity (down payment) in the amount of $ ___________________ |

|The original source of equity (down payment, including deposits on offer) is from: __ _______________________________ |

|(Savings, Borrowed Funds, Gifted Funds, Sale of Property) |

|Borrower #2: |

|Last Name |First Name |Middle Name |

| | | |

|Date of Birth (DD/MM/YY) |Sex |Personal Phone Number: (Where you may be reached after the closing of this transaction) |

| | | |

|Name of Employer |Occupation /Position (Fully Describe Job and Title) |

| | |

|Address of Employer (Location where you work) |Type of Income (Circle One) |

|Street | |

|City Province |Salary / Commission / Business / Pension / |

| |Other (please state) |

|Type of Document (Refer to Exhibit 1 for acceptable forms of |Document Number |

|ID) | |

| | |

|Expiry Date (DD/MM/YY) |Place of Issue |Country of Issue |

| | | |

|Type of Document (Refer to Exhibit 1 for acceptable forms of |Document Number |

|ID) | |

| | |

|Expiry Date (DD/MM/YY) |Place of Issue |Country of Issue |

| | | |

|Source of Down Payment (only applies to Purchases): |

|With the purchase of this Property I am providing equity (down payment) in the amount of $_____ __________________ |

|The original source of equity (down payment, including deposits on offer) is from: ____________________________________ |

|(Savings, Borrowed Funds, Gifted Funds, Sale of Property) |

|Guarantor #1: |

|Last Name |First Name |Middle Name |Date of Birth (DD/MM/YY) |Sex |

| | | | | |

|Name of Employer |Occupation /Position (Fully Describe Job and Title) |

| | |

|Address of Employer (Location where you work) |Type of Income (Circle One) |

|Street | |

|City Province |Salary / Commission / Business / Pension / |

| |Other (please state) |

|Type of Document (Refer to Exhibit 1 for acceptable forms of |Document Number |

|ID) | |

| | |

|Expiry Date (DD/MM/YY) |Place of Issue |Country of Issue |

| | | |

|Type of Document (Refer to Exhibit 1 for acceptable forms of |Document Number |

|ID) | |

| | |

|Expiry Date (DD/MM/YY) |Place of Issue |Country of Issue |

| | | |

|SECTION B: |POLITICALLY EXPOSED PERSONS (Domestic and Foreign) “PEP” and Heads of International Origanizations |

| |(Completion is MANDATORY for EACH Borrower and Guarantor) |

|To the best of your knowledge, do you or any close relative or any close associate, hold or have ever held any of the following positions or offices in or on |

|behalf of a country/ province/ state or Public Body, listed in 1 through 11 below? |

| |

|Yes ( No ( |

|(If you answered yes, you are considered a PEP, please complete this section. If there is more than one PEP, please use additional copies of this form.)* |

| |

| |

|*It is a criminal offence to intentionally provide false information. |

|Note: a close relative means a spouse, civil union spouse or common-law partner, children/step children, siblings/half siblings/ step siblings of the |

|borrower(s), biological/adoptive/step parent of the Borrower(s), biological/adoptive/step parent of spouse, civil union spouse or common-law partner. |

|Note: a close associate is any natural person who is known to have a close personal relationship, or joint beneficial ownership of legal entities or legal |

|arrangements, or any other close business relations with PEP. |

|Note: a Public Body means an incorporated city, town, village, metropolitan authority, township, district, county, rural municipality or other incorporated |

|municipal body; or an agent or mandatary of any of them. |

| |

|Head of State or Head of Government |

|Member of Executive Council of Government |

|Deputy Minister or Equivalent Rank |

|Ambassador; or Attaché; or Counsellor of an Ambassador; or High Commissioner |

|Military Officer with a rank of General or above |

|President of a State-Owned Company or State Owned Bank |

|Head of a Government Agency |

|Judge |

|Leader or President of a Political Party represented in the Legislature |

|Holder of any appointed/elected office or position |

|Head of an International Organization |

| |

| |

|If there is more than one PEP, please use additional copies of this form. |

|Borrower/ Guarantor Name |PEP’s Full Name |

| | |

|Relationship |Position Held |Office/ Institution/ Organization |Country Where Position Held |

| | | | |

|SECTION C: |DECLARATIONS |

| |(Completion is MANDATORY for EACH Borrower and Guarantor) |

|Third Party Beneficiary Certification |

|I certify that the mortgage is for my/ our benefit and is not for the benefit of any undisclosed third party. |

| |

|I further declare that the answers and statements given by me, to all the questions in Sections A and B of this form, are full, complete and true. I also |

|acknowledge that when requested, I agree to provide updated identification documentation to MCAP to meet its regulatory obligations. |

| |

| |

|________________________________________________ ____________________________ |

|(Borrower #1 - Signature) (Date: DD/ MM/ YYYY) |

| |

| |

|________________________________________________ ____________________________ |

|(Borrower #2 - Signature) (Date: DD/ MM/ YYYY) |

| |

| |

|________________________________________________ ____________________________ |

|(Guarantor #1 - Signature) (Date: DD/ MM/ YYYY) |

|SECTION D: |SOLICITOR/ NOTARY/ AGENT ATTESTATION |

| |(Completion is MANDATORY) |

|I certify that |

|I have been appointed as solicitor/notary/agent of MCAP to verify the identity of the borrower(s)/guarantor(s); and |

|I have personally met with each person named above and examined the original, unaltered and valid personal identification documentation disclosed herein, and |

|certify that the name and photograph are those of the individual(s) I have met with; and |

|The information in Section “A” matches the original personal identification documentation provided to me; and |

|I have made reasonable efforts to ensure that the individual(s) who signed the Purchase and Sale Agreement/Offer to Purchase is the one and same individual(s) |

|for whom I have verified the personal identity thereof; and |

|Having made reasonable inquiries, I have no reason to believe the Borrowers are acting on behalf of any undisclosed third parties. |

| |

|I will retain clear and legible copies of both sides of the identification examined. I will forward clear and legible copies of the identification to MCAP with|

|the Final Solicitor’s Report. |

| |

|If this completed form and copies of required documentation is not received, mortgage funds will not be released. |

|Name: |Signature: |Telephone: |Date: (DD/MM/YYYY) |

Legible Copies of BOTH SIDES OF THE “PRIMARY IDENTIFICATION” are also to be returned

with Solicitor’s Final Report, and kept on file as we may request them at any time.

|EXHIBIT 1: |ACCEPTABLE FORMS OF IDENTIFICATION |

| |

|Each Borrower, Guarantor and Signatory, where applicable, must present to you for examination: |

| |

|1. One piece of “Primary Photo Identification” and one piece of “Secondary Identification” or |

|2. Two pieces of “Primary Photo Identification |

| |

| |

|No other form of identification is acceptable. All identification must be original, valid, legible and in good condition. Each Borrower, Guarantor and |

|Signing Officer, where applicable, is required to be physically present when you ascertain his or her identity. |

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|Canadian Residents |

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|NOTE: |

|1 In Quebec, never request a driver’s licence. Accept and record the number only if offered. |

|2 In Ontario, Manitoba, Nova Scotia and Prince Edward Island, the Provincial Health Card is NOT an acceptable form of identification. Please request another |

|piece of Primary Identification. In Quebec, never ask to see a Health Card, if offered, record the particulars. |

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Primary Photo Identification

Secondary Identification

▪ An employee identity card with a photograph from an employer well known in the community;

▪ A signed automated banking machine (ABM) card or client card issued by a member of the Canadian Payments Association;

▪ A signed credit card issued by a member of the Canadian Payments Association;

▪ A signed Canadian Institute for the Blind (CNIB) client card with a photograph;

▪ A birth certificate issued in Canada;

▪ A Social Insurance Number (SIN) card issued by the Government of Canada;

▪ A Certificate of Canadian Citizenship;

▪ Métis Nation ID Card; or

▪ FAST ID Card.

▪ A valid driver's licence1 issued in Canada;

▪ Current Canadian Passport;

▪ Nexus/ CANPASS card

▪ A Federally issued Firearms Licence

▪ Canadian Citizenship Card ;

▪ Federally issued Permanent Resident Card;

▪ Federally issued Certificate of Indian Status Card;

▪ A Provincial Health Insurance Card2;

▪ A Provincial Government issued Identification Card.

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