A: If you are eligible, Simply Secure™ provides coverage in connection with your Flexiti account in case of involuntary unemployment, death, dismemberment, critical illness, or total disability. In the event of death, dismemberment or critical illness, Trans Global Life Insurance will pay to Flexiti the full outstanding balance of your Flexiti account up to a maximum of $25,000. In the event of involuntary unemployment, Trans Global Insurance will pay up to 12 monthly payments due on your Flexiti account at the date of your involuntary unemployment or of your total disability. The total monthly payments will not exceed the lesser of the outstanding balance at that date or the maximum of $25,000. Benefits are payable only under one protection. Involuntary unemployment If you are employed, while this insurance is in effect, and your employment stops or is suspended as a result of: • layoff: which means a temporary or permanent suspension of your employment by an action of your employer; or • employment termination: which means a complete end of your employment by action of your employer. If you are self-employed, coverage is only available if you become involuntarily unemployed as a result of your business being involuntarily petitioned into bankruptcy by your creditors. Benefits will be paid only if your involuntary unemployment lasts more than 30 consecutive days; after this waiting period, the benefits will be paid retroactively from the date of your involuntary employment. Death Before the age 65 (71 in BC), the Simply Secure™ Plan does not require that death arise from accidental circumstances. Beginning from age 65 (71 in BC) and thereafter, the Simply Secure™ Plan only provides coverage if death arises from accidental circumstances and death must occur within 90 days of the accident. Dismemberment An accidental bodily injury that is sustained directly and independently of all other causes, resulting in the total or irrecoverable loss of: • sight in both eyes; • a hand by complete severance through or above the wrist; or • a foot by complete severance through or above the ankle joint. Critical illness A critical illness is a one of the following illnesses or conditions: cancer, heart attack, stroke, coronary artery by-pass grafts, kidney failure and major organ transplant. Critical illness benefits will be paid only if you survive 30 days from the date of diagnosis of the illness or condition. If you should die during the 30 days waiting period it will be treated as a death claim. Total disability Total disability is a disability which is caused by an accidental injury or sickness, and which continues uninterrupted for 30 consecutive days. The disability must prevent you from performing any work for compensation. Benefits will be paid only if your total disability lasts more than 30 consecutive days; after this waiting period, the benefits will be paid retroactively from the date of loss.

A: Please see below. Involuntary unemployment If you are employed, to be eligible for involuntary unemployment benefits you must: • be the primary borrower; • be insured under this plan; • be gainfully employed; and • be registered and eligible for employment insurance benefits with Human Resources Development Canada. You will also be asked to provide proof of your continued unemployment and that you are actively seeking full-time employment in order to receive ongoing involuntary unemployment benefits. If you are a self-employed, in order to be eligible for involuntary unemployment benefits you must: • Be the primary borrower; • You must have been insured under the Simply Secure™ Plan and working on a permanent basis, working full-time for a minimum of 25 hours each week for a period of no less than 2 continuous years prior to enrolment in the Simply Secure™ Plan and earning taxable revenue in a legally incorporated business that has been operating in Canada; • You shall have been involuntarily unemployed for more than 30 consecutive days; • Prior to your involuntary unemployment, as a self-employed individual, you shall have been paying employment insurance premiums to Human Resources and Social Development Canada (HRDC). • While you are involuntarily unemployed, as a self-employed individual, you must be available to work full-time and you may be required to provide evidence that you are actively seeking employment. Death To be eligible for the death benefit, you must: • be insured under this plan; and • be less than 65 years (71 years in BC) of age. Beyond age 65 (71 in BC), the death benefit is only payable in case of accidental death and death must occur within 90 days of the accident. Dismemberment To be eligible for the dismemberment benefit, you must: • be insured under this plan; • lose a hand at or above the wrist; or • lose a foot at or above the ankle; or • loss sight in both eyes; and • be less than 65 years of age (71 in BC) Critical illness To be eligible for the critical illness benefit, you must: • be insured under this plan; • be diagnosed for the first time in your life with one of the following illnesses or conditions: cancer, heart attack, stroke, coronary artery by-pass grafts, kidney failure and major organ transplant; • survive more than 30 days after the initial diagnosis; and • be less than 65 years of age. Total disability To be eligible for the disability benefit you must: • become totally disabled as a result of an accidental bodily injury or a sickness; • be the primary borrower; • be insured under this plan; • be gainfully employed; and • be regularly attended to by a licensed physician or surgeon. You may also be asked to provide proof of your ongoing total disability in order to receive ongoing disability benefits. This proof could consist of a statement from your attending physician or surgeon.

A: Please note that no benefits will be paid if the loss arises directly or indirectly from any of the following situations. Some exclusions apply to all protections, others are specific to a protection: All protections • intentionally self-inflicted injury; • attempted suicide; • drug, alcohol or solvent abuse; • the commission, or attempted commission, of an illegal act; or • any nuclear, chemical or biological contamination resulting from an act of terrorism. Involuntary unemployment • unemployment, for any reason beginning within 30 days from the effective date; • strikes or lockouts; • retirement, whether voluntary or mandatory; • voluntary unemployment; • pregnancy or childbirth; • maternity leave or parental leave; • loss of seasonal employment; • dismissal for cause; • disability for which benefits are paid; • unemployment known by you to be impending at the time of application for insurance. If you are self-employed: • unemployment for any reason beginning within 90 days from the effective date; • unemployment known by you or should have been known to you impending at the time of application for insurance; • strikes or lockouts, whether or not you or your business participate voluntarily; • disability for which benefits are payable under the Simply Secure™ Plan; • discharged for cause by a hiring company or customer; • pregnancy, or childbirth and maternity, paternity or adoption leave; • family medical or caregiver leave; • voluntarily unemployment, you refused to complete work, as contracted or as outlined in job specifications • failure to comply with safety regulations and conditions required by trade unions, associations or provincial health and safety regulators; • criminal charges having been laid against you and resulting incarceration; • failure to pay child maintenance support payments, spousal support or alimony; • inability to travel for work related reasons due to loss of passport or visa conditions; • closure of business as a result of gross or willful misconduct, negligence, voluntary forfeiture of salary, wages or income; • retirement, whether voluntary or mandatory; • any of the exclusions listed under the Certificate of Insurance heading “General Exclusions” Death • a suicide within 2 years after the effective date; • a pre-existing condition in the first 6 months after the effective date; or • a critical illness for which a benefit has been paid under this insurance. Dismemberment · no coverage if you are 65 years of age (71 years for BC) or older at the time of dismemberment Critical illness · the critical illness was first diagnosed prior to the effective date; · the critical illness is first diagnosed within 90 days from the effective date; · the disease or condition diagnosed is not listed among the covered critical illnesses identified in section “What Does the Simply Secure™ Plan Cover?”» Total disability • a pre-existing condition in the first 12 months after the effective date; • normal pregnancy; • critical illness for which a benefit has been paid under this insurance; • nervous, mental, psychological, emotional or behavioral disorders, unless you are under the full time care of a licensed psychiatrist; or • foreign travel or residence.

A: The monthly premium rate is $1.39 per $100.00 of the outstanding balance on your Flexiti account at the end of each monthly period, plus applicable taxes on this amount. This amount varies based upon the outstanding balance: The higher your balance, the higher premium and the lower your balance, the lower your premium. This amount will be charged on each statement issued whenever your account balance is greater than zero. For example, if your insured Flexiti account balance is $400, your premium billed for the previous month would be $5.56 plus applicable taxes. If your Flexiti account balance is zero, your premium for the previous month would be zero.

A: The coverage ends on the date of receipt of your request to cancel coverage or the date You are more than 30 days delinquent in making any required payments on Your Insured FLEXITI FINANCIAL loan payment obligation Contract. See the Certificate of Insurance at https://transglobalinsurance.ca/insurance/other/ for more details.

A: Simply Secure™ is optional and you can cancel it at any time. If you cancel within the first 30 days (60 days if you are a Quebec resident), the premiums you paid will be refunded to you.

A: You are not required to enrol in Simply Secure™. If you enrol, we will send you a welcome package with detailed information on the Simply Secure™ coverage, which you can review at your convenience. In the meantime, your coverage will be in place. Should you decide this is not the right coverage for you, you may cancel at any time. If you cancel within 30 days (60 days if you are a Quebec resident), you will be refunded any premiums paid.

A: Simply Secure™ is designed to complement any existing protection by paying in addition to any other coverage you may have.

A: To make a claim, follow these steps to contact Trans Global Insurance: • By calling 1-844-930-6022 between 8:00 a.m. and 5:00 p.m. (MST) • By email clientcare@transglobalinsurance.ca • By written notice to TRANS GLOBAL INSURANCE GROUP, Suite 275, 16930-114 Avenue, Edmonton, AB T5M 3S2.

A: To make a complaint, follow these steps: • Should you require further information regarding our complaint handling procedure, please call 1-844-930-6022 between 8:00 am and 5:00 pm (MT), Monday to Friday. • If for some reason you are not satisfied with the resolution to the complaint or inquiry, please visit the Insurer’s website to view the complaint resolution processes which can be found at: https://transglobalinsurance.ca/resolving-complaints/

A: If you have any questions about this insurance coverage, contact Trans Global Insurance at 1-844-930-6022.