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How to Invest!
2010 Offering Document
Investing in an Self-Directed RRSP
Shares are eligible for a self directed RRSP. For investors wishing to purchase shares for the first time within an RRSP the following forms will be required to be filled out. The following is a list and also required spaces to be filled out.
Forms |
Requirements |
1. Self-Directed Retirement Savings Plan - Application |
Name, address, phone number, SIN, date of birth, signature of Annuitant (Shareholder), date |
2. Designation of Beneficiary |
List one beneficiary with SIN number, estate of the shareholder can also be used, signature of shareholder, date |
3. Small Business and Venture Capital Corporation Shares Supplemental Agreement |
Name, signature of shareholder, witness, date |
4. Payment Authorization Form |
Signature of shareholder, date |
5. Self-directed RRSP and Small Business Shares |
Signature of shareholder, date |
6. Self-Direct Registered Plan Fee Schedule |
Signature of shareholder, date ** |
7. Deposit Form |
Check “Contribution in kind” for Deposit Detail, Deposit Amount, Signature of Annuitant (Shareholder), date | ** Note that the annual fee of $50.00 for the RRSP will be billed to and paid by Just Us! for each year the investments remain in Just Us! The RRSP tax receipt is issued by the CWCF, and will be mailed out towards the middle of the March. Investing Outside an RRSP Shares can be purchased outside an RRSP, and the shareholder will still be eligible for the 35% Equity Tax Credit, a non refundable provincial income tax credit. When the shares are purchased, information is collected from the investor and then reported to the Province of Nova Scotia. The tax receipt is issued by the NS Department of Finance and will be mailed out towards the middle of March. To purchase shares outside an RRSP we require the shareholders SIN, and the payment. Investing By Transferring Existing RRSP’s Another form of investing is by transferring existing self-directed RRSP’s. The shareholder provides us with the information on the existing RRSP and the transfer is processed between the RRSP companies. By transferring the RRSP, the shareholder will be eligible for the Equity Tax Credit, a non refundable provincial income tax credit. To complete this process a new RRSP must be set up, a list of these forms can be seen under “Investing in a Self-Directed RRSP”. There is also an additional form that is required called the “Direct Transfer-In” form. The shareholder is only required to fill out Part 1. Ensure that it is completely filled out, and signed. After reviewing the offering document cheques are made out to “Valley Credit Union in Trust”. All original signed forms along with the cheque, should be mailed back to the following address to arrive no later than March 1, 2010: Just Us! Coffee Roasters 11865 Hwy 1, RR3# Wolfville, NS B4P 2R3 Attention: Melissa Stewart This CEDIF offering is made through an offering document, which can be obtained from an authorized sales agent or finder, Melissa Stewart, (902) 542-7474, ext. 248, Email: accounting@justuscoffee.com Investors should read the offering document before making an investment decision. Downloadable Forms Offering Document - January 8, 2010 CWCF Self Directed Retirement Savings Plan - Application CWCF RRSP Designatation of Beneficiary Small Business and Venture Capital Corporation Shares Payment Authorization Form Self-directed RRSP Letter CWCF Plan CEDIF Fee Schedule CWCF RRSP Deposit Form CWCF Direct Transfer In CWCF Direct Transfer In FAQ CEDIFS - 10 pages
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