Date: February 14, 2022

Loan Reference Number: L0742148 This Manulife Bank loan has been
Client: Josephine Ocana APPROVED and FUNDED.

Thank you for submitting a Manulife Bank RRSP Loan application. The loan has been approved. We encourage you to keep this
letter for your financial records.

Some final action is still required on your part to complete the RRSP loan application process:

1. Return the following documents to Manulife Bank:

• RRSP Loan Agreement, signed by the client

• Void cheque from the account to be debited

You may return these documents to Manulife Bank either by FAX (preferred) or mail:

Fax: 1-866-236-7317
Mail: Manulife Bank
500 King Street North,
P.O. Box 1602 Station Waterloo
Waterloo, Ontario
N2J 4C6

Note: Please do not FAX and mail the documents as this may result in two loans being issued.

2. Provide the entire RRSP Loan Agreement to your client (original if faxed or photocopy if mailed), as it contains important legal
disclosures.

Thank you for choosing Manulife Bank as your Investment loan provider. For more information on this loan, please contact Manulife
Bank's Advisor Support Centre at 1-800-567-9170 and provide the loan reference number indicated above.

February 14, 2022 12:35:00 L0742148 page 1 of 1

 RRSP Loan Agreement

Representative Representative
Reference Number Representative Name Representative Code Representative Fax Manulife Bank Use
Phone Number

Miguel David
L0742148 619603 (604) 722-8648 (902) 864-5613 February 14, 2022
Quinez

Cost of Borrowing Summary

Principal Amount $2,500.00

Annual Interest Rate The Annual Interest Rate is currently 2.95%. Variable rate. Interest is calculated
daily and compounded monthly, not in advance.
Determination of Interest The Annual Interest Rate is variable, is determined by reference to Manulife Bank's
prime lending rate, and will change on the same day that Manulife Bank's prime
lending rate changes.
The current prime lending rate is 2.45%.
Annual Percentage Rate Same as the Annual Interest Rate above.

Term The Term is 24 months. The loan is fully open and can be repaid at any time.

Date of Advance Feb 14, 2022. Interest will start accruing on the day the Principal Amount is
advanced.
Payments $107.40
The first payment will be due on Mar 21, 2022.
Payments will continue to be due on the same day of every month. Payments are
comprised of principal and interest and could fluctuate with changes to the Annual
Interest Rate.
Total Cost of Borrowing Amount $78.71
Amortization Period Same as the Term above.

Prepayment Privilege The Principal Amount may be repaid in full at any time without penalty, provided the
accrued interest is paid.
Prepayment Charges Not applicable.

Default Insurance Not applicable.

Other Fees The fee in the event a payment is returned is $45.00. Fees are subject to change.

This is my application to Manulife Bank of Canada (the "Bank") for a loan to finance my contribution to:
Borrower Information Borrower Identification
Name Josephine Ocana ID Type 1 Canadian Driver's License
Date of Birth March 14, 1968 ID Number 2286773
SIN 759 258 247 Issued by British Columbia
Home Phone Number 6047250314 Expiry Date August 04, 2023
Business Phone Number ID Type 2
Address 31596 Lombard Ave ID Number
(All correspondence will be sent to this address) 31596 Lombard Ave Issued by
Abbotsford, BC V2T 6M6
Previous Bankruptcy Status No Expiry Date
Borrower Income Information
Industry Occupation Employer Name Employer Address
Healthcare / Medical Social Worker Menno Place 32945 Marshall Rd
Abbotsford, BC V2S 1K1
RRSP Plan Information
Plan Name Policy / Account Planholder Name Date of Birth SIN
Segregated Funds New Policy

February 14, 2022 12:35:00 L0742148 page 1 of 6

Pre-Authorized Debit Information (Please remember to attach a Voided Cheque)

I have read and agree to the Pre-Authorized Debit Plan Payors Authorization Terms and Conditions and I direct the Bank to debit the account
below for the payment amount indicated above. The payment amount shall be debited from my account on the same day of each month and
the first payment will be due as indicated under the Payments section in the Cost of Borrowing Summary above. I understand that I will be
charged the Bank's then prevailing fee in the event that my cheque is returned. At the date of this Agreement, the fee is $45.00 and may be
subject to change. I hereby waive any pre-notification period set out in the rules of the Canadian Payments Association.

Financial Institution Branch Account Number Account Holder

004 03930 6570479 Josephine Ocana

Complete the following if account holder is not the borrower:

Name of Account Holder Date of birth of Account Postal code of Account Holder Social Insurance Number
Holder (mmm/dd/yyyy) of Account Holder

Relationship to Borrower Signature of Account Holder

Planholder Direction and Authorization

In consideration of this loan being advanced and deposited to the designated RRSP (the "RRSP"):

a. The Planholder of the RRSP and I hereby authorize the Bank to provide a copy of this Agreement to the trustee or other issuer of the
RRSP for the purpose of enabling the Bank to register both the nature and extent of the Bank's interest in the proceeds of the RRSP and
the Planholder understands that the Bank, its agents and employees will otherwise maintain confidentiality with respect to all information
relating to the Planholder. Upon fulfillment of the Borrower's obligations under the Agreement, the Bank shall notify the trustee or other
issuer of the RRSP, as the case may be, that it has released its interest in the proceeds of the RRSP.
b. The Planholder of the RRSP (which may include me as the Borrower, as the case may be) hereby authorizes the trustee of the RRSP
or other issuer to provide notice of the Planholder's intention to redeem the proceeds of the RRSP to the Bank and to provide such other
information respecting the Planholder's RRSP as the Bank may reasonably require from time to time in its administration of this loan.
c. The Planholder of the RRSP (which may include me as the Borrower, as the case may be) hereby irrevocably and unconditionally
authorizes and directs the trustee of the RRSP or other issuer to first apply the proceeds of any redemption of the RRSP against the
indebtedness under the Bank's loan. For the purpose of this Direction any request to transfer any of the RRSP to another issuer or
issuers of retirement savings or other retirement benefit plans or any payment or rollover of the RRSP to a beneficiary during the currency
of this loan may be treated by the trustee or any other issuer of the RRSP as redemption of such RRSP.

I have received, read and agree to the RRSP Loan Terms and Conditions for this loan including the Cost of Borrowing Disclosure Statement,
the Personal Information Statement and the Pre-Authorized Debit Plan Payor's Authorization Terms and Conditions.

In order to keep my/our file current, I/we undertake to advise the Bank of any changes to the information provided in this application.

Signatures

Borrower's Signature Witness Signature Date

Josephine Ocana (Feb 15, 2022 16:10 PST)

Planholder's Signature* Date

* Planholder signature is for the purpose of Direction and
Authorization only

Josephine Ocana (Feb 15, 2022 16:10 PST)

Representative's Signature** Date

** I confirm that I have examined the authentic, valid and
current identity documentation presented by the borrower(s).

Please SIGN AND FAX this page and the RRSP Loan Agreement on the previous page to Manulife Bank at 1-866-236-7317

February 14, 2022 12:35:00 L0742148 page 2 of 6

 RRSP LOAN TERMS AND
CONDITIONS (INCLUDING
COST OF BORROWING
DISCLOSURE STATEMENT)

Cost of Borrowing All capitalized terms that are not defined below have the meaning ascribed to them in the Cost of Borrowing Summary
Disclosure contained in this RRSP Loan Agreement.
Statement
In return for the Bank making this loan to me, I promise to pay the Bank upon demand the Principal Amount together
with interest ("Interest") at the Annual Interest Rate. I acknowledge the advance of the Principal Amount to the RRSP
Plan designated above and agree that this money will be used solely for the purpose of investing in an RRSP. I direct
the Bank to immediately apply the funds made available under this Agreement to such purpose and to pay over the
funds at the time of execution of this agreement to The Manufacturers Life Insurance Company or other issuer from
which the RRSP is to be purchased. This Agreement comes into effect upon the advance of the Principal Amount.

The Bank's prime rate shall be its demand loan prime interest rate for Canadian dollar loans in Canada as quoted by
the Bank from time to time (the "Prime Rate"). The Annual Interest Rate shall vary on the day the Prime Rate is varied
by the Bank. Interest is calculated daily and compounded monthly, not in advance, after, as well as before demand,
default and judgment. Interest starts accruing on the day the Principal Amount is advanced. Using the Principal Amount
and the Annual Interest Rate specified in the RRSP Loan Agreement, if I make all the payments as they become
due, the total cost of borrowing would be the amount indicated in the Cost of Borrowing Summary as the Total Cost
of Borrowing Amount and, as a rate per annum, would be the Annual Interest Rate set out in the Cost of Borrowing
Summary, assuming that the Annual Interest Rate did not vary and all interest payments due were made. I understand
that these payments comprise principal and interest sufficient to retire this loan 24 months after the Principal Amount
is advanced. I understand that payments will be made first to the payment of Interest and secondly to the Principal
Amount. Any interest adjustment arising from an initial payment period of less than or more than one month will be
reflected in the Total Cost of Borrowing Amount. The total amount of all payments is equal to $2,577.60 (estimated).
Changes in the Annual Interest Rate may result in negative amortization and in an extension of my loan. I understand
that any adjustment of less than $10.00 will be included in my last payment. I understand that the Principal Amount
may be repaid in full at any time without penalty provided that all accrued Interest is paid and that the Principal Amount
is to be paid in full within 24 months after the loan is advanced. If interest rates increase above 20%, my scheduled
payment may not fully cover the interest due for the next installment. Additional payment(s) beyond the term of my loan
may be required. Notwithstanding the stated repayment schedule for the loan, the Bank may demand payment in full of
the Principal Amount and accrued Interest at any time. I also agree that the Bank will be entitled to recover any costs,
judicial or extra-judicial, incurred in the collection of the debt. This RRSP Loan Agreement may only be amended by an
agreement in writing signed by the Bank and me. I irrevocably appoint each of the Bank, its officers, employees and
nominees or any authorized agent of any of them to be my attorney with full power of substitution, to fill in any blanks
or amend the term on this Agreement as requested by me, or any related document, to do, make and execute all such
statements, assignments, documents, acts, matters or things, with the right to use my name whenever the Bank may
deem necessary or expedient.

Investment I understand that my RRSP investment may fluctuate in value and that I will receive the unit value in effect on the
date the Principal Amount and any additional equity amount are actually invested. I understand that regardless of the
performance of the RRSP, I am required to meet my obligations under this RRSP loan. Using borrowed money to
finance the purchase of securities involves greater risk than a purchase using cash resources only. I understand that if
I borrow money to purchase securities, my responsibility to repay the loan and pay Interest as required by the terms of
the loan agreement continues, even if the values of the securities purchased with the proceeds of the loan declines.

Borrower I understand that this loan is being made on the basis of the information that I have supplied to the Bank and I warrant
Authorization that the information provided is true. I hereby authorize the Bank to request and obtain from any person, including
individuals, financial institutions, corporations and others, any information including information respecting security
interests, my irrevocable beneficiaries and claims on me by other parties, which the Bank requires in order to assess
this RRSP loan. I hereby authorize any person, including individuals, financial institutions, corporations and others who
may have such information, to provide such information to the Bank.

Personal Collecting, using and disclosing my personal information:

Information
Statement In this Statement, "you" and "your" refer to the applicant(s) or co-applicant(s) who is (are) the account holder(s). "We",
"us", "our" and "the Bank" refer to The Manulife Bank of Canada and its related affiliates.

Updates to this Statement and further information about our privacy practices are posted to www.manulifebank.ca.

We collect, use, verify and disclose your personal information for identified purposes, and only with your consent, or as
permitted or required by law. By signing the application, you give your consent for us to collect, use, and disclose your
February 14, 2022 12:35:00 L0742148 page 3 of 6
 personal information, as set out in this Personal Information Statement. Any alterations to the consent must be agreed
to in writing by the Bank.

What personal information do we collect?

Depending on the product you have applied for, we collect specific personal information about you such as:
• Identifying information such as your name, address, telephone number(s), email address, your date of birth,
occupation, driver's license, passport number or your Social Insurance Number (SIN)
• Information about how you use our products and services, and information about your preferences, demographics,
and interests
• Other personal information we may require to administer our business relationship with you

We use fair and lawful means to collect your personal information.

Where do we collect your personal information from?

• Your completed applications and forms
• Other interactions between you and the Bank
• Other sources, such as:
• Your advisor or authorized representative(s)
• Third parties with whom we deal in issuing and administering your account now, and in the future
• Your employer or credit reporting agencies
• Public sources, such as government agencies, and internet sites

What do we use your personal information for?

We will use your personal information to:
• Help us properly administer the products and services that we provide and to manage our relationship with you
• Confirm your identity and the accuracy of the information you provide
• Evaluate your application, and determine the suitability of our product(s) for you
• Comply with legal and regulatory requirements
• Support and maintain the accuracy and integrity of the credit reporting system
• Understand more about you and how you like to do business with us
• Analyze data to help us make decisions and understand our customers better so we can improve the products and
services we provide
• Determine your eligibility for, and provide you with details of, other products or services that may be of interest to
you offered by us or our affiliates or select third parties. These could include securities, insurance products, loan
and investment products, credit products and reward programs.

Who do we disclose your personal information to?

• Persons, financial institutions and other parties with whom we deal in issuing and administering your account now,
and in the future
• Authorized employees, agents and representatives
• Your advisor and any agency which has entered into an agreement with us and has supervisory authority, directly
or indirectly, over your advisor, and their employees
• Any person or organization to whom you gave consent
• Other institutions that may have granted you credit, credit bureaus and personal information agents with respect to
your credit or financial history
• People who are legally authorized to view your personal information
• Service providers who require this information to perform their services for us (for example, data processing,
programming, data storage, market research, printing and distribution services and investigative agencies)

The abovementioned people, organizations and service providers are both within Canada and jurisdictions outside
Canada, and would therefore be subject to the laws of those jurisdictions.

Where personal information is provided to our service providers, we require them to protect the information in a manner
that is consistent with our privacy policies and practices.

How long do we keep your information?

The longer of:
• the time period required by law and by guidelines set for by the financial services industry, and
• the time period required to administer the products and services we provide.

Withdrawing your consent

You may withdraw your consent for us to use your SIN or Business Number, if applicable, for non-tax administration
purposes. You may also withdraw your consent for us to use your personal information to provide you with other service
or product offerings, excluding those mailed with your statements.

You may not withdraw your consent for us to collect, use, retain or disclose personal information we need to issue or
administer the account unless federal or provincial laws give you this right. If you do so, an account may not be issued
and we may treat your withdrawal of consent as a request to terminate the account.

February 14, 2022 12:35:00 L0742148 page 4 of 6

 If you wish to withdraw your consent, phone the Bank's customer care centre at 1-877-765-2265, or write to the Privacy
Officer at the address below.

Accuracy and Access

You will notify us of any change to your contact information. You have the right to access and verify your personal
information maintained in our files, and to request any factually inaccurate personal information be corrected, if
appropriate. Much of your information is available to you online by accessing your account via the Internet at https://
client.manulifebank.com/MBCClientUI. If you have a question, a concern, wish to receive more information about
parties who have access to your information or about our privacy policies and procedures, and/or wish to review your
personal information in our files or correct any inaccuracies, you may send a written request to:

Manulife Bank of Canada

Privacy Officer
500 King Street N
Waterloo, ON N2J 4C6

Privacy_office_canadian_division@manulife.com

Please note the security of email communication cannot be guaranteed. Do not send us information of a private or
confidential nature by email. By contacting us via email you are authorizing us to communicate with you by email.

Complaint If I have any questions or concerns about the products, services or the Bank's representatives, I may contact the Bank
Handling at: 1-877-765-2265. If after speaking to Manulife Bank staff the complaint is not resolved to my satisfaction, I may ask
Procedures to speak with the manager of the department. If I am still dissatisfied with the manager's response, I may ask to have
my concerns referred to senior management for an additional review. If after speaking to the staff and management the
problem is not resolved to my satisfaction, I may write to:

Office of the Ombudsman

Manulife Bank of Canada
500 King Street North
PO BOX 1602 STN WATERLOO
WATERLOO, ON N2J 4C6

If I am not fully satisfied with the Bank Ombudsman's response, I have the following recourse available to me:

The Ombudsman for Banking Services and Investments

The Ombudsman for Banking Services and Investments (OBSI) is part of the Financial Services OmbudsNetwork
(FSON), which is a national industry based dispute resolution system for consumers of financial services. The OBSI
deals with concerns about banking and securities investment products and services that have not been resolved
through the company's dispute resolution system. Toll free telephone number: 1-888-451-4519 or from Toronto (416)
287-2877.

The Financial Consumer Agency of Canada

The Financial Consumer Agency of Canada (FCAC) supervises federally regulated financial institutions to ensure they
comply with federal consumer protection laws.
If my complaint is about a consumer provision, I may contact the FCAC, in writing, by telephone or through their
website.

In writing:
The Financial Consumer Agency of Canada
6th Floor Enterprise Building
427 LAURIER AVENUE WEST
OTTAWA ON K1R 1B9

By telephone: 1-866-461-3222
By FCAC website: www.canada.ca/en/financial-consumer-agency.html

Language I expressly request that this Agreement and all related documents, including notices be drawn up in the English
Preference language. Je demande expressément que cette demande et tout document y afférent, y compris tout avis, soient
rédigées en langue anglaise.

February 14, 2022 12:35:00 L0742148 page 5 of 6

 PRE-AUTHORIZED DEBIT PLAN
PAYOR'S AUTHORIZATION
TERMS & CONDITIONS
This Pre-Authorized Debit (PAD) is for Personal/Household Purposes

By signing the attached Agreement and attaching a void cheque (the "Cheque"), if available, the Account Holder (which for the purpose of
this Plan includes any person authorizing an account debit on the attached Agreement other than the person receiving the proceeds of the
loan) (collectively referred to as the "Payor") acknowledges that this authorization is provided for the benefit of Manulife Bank of Canada
("Manulife Bank") and the financial institution identified on the Cheque or in the Agreement (the "Processing Institution") and is provided in
consideration of the Processing Institution agreeing to process debits against the account identified on the Cheque (the "Account") or in the
Agreement in accordance with the rules of the Canadian Payments Association. The Payor warrants and guarantees that all persons whose
signatures are required to sign on this Account have signed the Agreement. The Payor hereby authorizes Manulife Bank to draw on this
Account with the Processing Institution, for the following purpose: payment of loan payment due. This PAD may be cancelled provided notice
is received five (5) business days before the next due date of the PAD. A sample cancellation form, or further information on the Payor's right
to cancel this PAD is available from Manulife Bank or by visiting www.payments.ca. The Payor acknowledges that provision and delivery of
this authorization to Manulife Bank constitutes delivery by the Payor to the Processing Institution.

Any delivery of this authorization to Manulife Bank constitutes delivery by the Payor. The Payor waives any pre- notification period set
out in the rules of the Canadian Payments Association for debits under this PAD. A specimen cheque, if available, for the Account has
been marked "VOID" and attached to this authorization.

In the event that a payment is returned non sufficient funds ("NSF"), the Payor consents to Manulife Bank processing an additional
PAD in the amount of $45.00 representing the NSF fee. Manulife Bank will process the additional PAD within 30 days from the date
of the original attempted payment.

The Payor undertakes to inform Manulife Bank in writing, of any change in the Account information provided in this authorization prior to the
next due date of the PAD. The Payor acknowledges that the Processing Institution is not required to verify that a PAD has been issued in
accordance with the particulars of this authorization including, but not limited to, the amount. The Payor acknowledges that the Processing
Institution is not required to verify that any purpose of payment for which the PAD was issued has been fulfilled by Manulife Bank as a
condition to honouring a PAD issued or caused to be issued by Manulife Bank on the Account. Revocation of this authorization does not
terminate any contract for goods or services that exist between the Payor and Manulife Bank. This authorization applies only to the method
of payment and does not otherwise have any bearing on the contract for goods or services exchanged. The Payor hereby acknowledges
understanding, acceptance and participation in a PAD plan.

The Payor has certain recourse rights if any debit does not comply with this agreement. For example, the Payor has the right to receive
reimbursement for any debit that is not authorized or is not consistent with this Agreement. To obtain more information on the Payor's
recourse rights, the Payor may contact Manulife Bank or visit www.payments.ca.

A PAD may be disputed by the Payor under the following conditions: (i) the PAD was not drawn in accordance with the Payor's authorization:
or (ii) the authorization was revoked: or (iii) pre-notification was not received. To be reimbursed, the Payor acknowledges that a declaration
to the effect that either (i), (ii) or (iii) took place, must be completed and presented to the branch of the Processing Institution holding
the Account, up to and including 90 calendar days after the date on which the PAD in dispute was posted to the Account. The Payor
acknowledges that a claim on the basis that the authorization was revoked or any other reason, is a matter to be resolved solely between
Manulife Bank and the Payor when disputing any PAD after 90 calendar days. The Payor hereby consents to the disclosure of any personal
information that may be contained in this authorization to Manulife Bank's bank, but only as far as any such disclosure of any personal
information is directly related to and necessary for the proper application and processing of the PAD.

Contact Information:
Manulife Bank of Canada
500 King Street North
WATERLOO, ON N2J 4C6
Tel: 1-877-765-2265

PLEASE RETAIN FOR YOUR RECORDS

February 14, 2022 12:35:00 L0742148 page 6 of 6