1. Identity Theft Restoration Services
Statement of Services
SERVICES STATEMENT
Except as provided herein, the Identity Theft Restoration Services (“the Services”) shall apply where You are the victim of
an Identity Theft Occurrence.
The Services are provided by First Canadian Title Company Limited (“Us/We/Our”).
DEFINITIONS
“Credit Standing” means the rating or assessment of Your credit worthiness (based on Your history of repaying debt)
immediately prior to an Identity Theft Occurrence.
“Identity Theft” means the act of acquiring key pieces of Your identifying information and knowingly transferring or using
that information, without lawful authority, with the intent to commit, or aid or abet, any activity that constitutes a violation of
any law.
“Identity Theft Occurrence” means any act or series of acts of Identity Theft by a person or group commencing during
the Mortgage Term.
“Limited Power of Attorney” means Our form of power of attorney that You hereby undertake to provide to Us (duly
notarized) at Our request to allow Us to undertake the Services herein following an Identity Theft Occurrence.
“Restoration Administrator” means either First Canadian Title Company Limited or a company that provides
professional, specialized services to counter Identity Theft for individuals or groups of individuals and assists to facilitate
the restoration of Your Credit Standing.
“Mortgage Term” means the length of the initial mortgage term, which is the date from which mortgage funds are
received from Investors Group for the subject mortgage until the last day of the term set out in the initial mortgage
approval from Investors Group for the subject mortgage.
“You/Your” means the individual enrolled in the Services at the time of an Identity Theft Occurrence. “You/Your” shall
not include any corporate entities.
RESTORATION SERVICES
Where You have been the victim of Identity Theft and You notified Us of an Identity Theft Occurrence We will arrange for
the Services to be provided by Restoration Administrator.
The Services include:
a) Assisting You in confirming Identity Theft and gathering and completing paperwork.
b) Assisting You in issuing fraud alerts to national credit bureaus.
c) Assisting You in providing the requisite information to national credit bureaus to assist, where possible, with the
restoration of accounts or Credit Standing with Canadian financial institutions.
d) Providing information on steps to take to proactively reduce exposure to Identity Theft.

2. Identity Theft Restoration Services
Statement of Services
EXCLUSIONS AND LIMITATIONS
The Services are subject to the following exclusions:
a) Business/Corporate Entity – The Services are not available where there has been a theft or unauthorized or
illegal use of Your business name or any other method of identifying Your business activity.
b) Dishonest Acts – The Services do not apply in the event of any dishonest, criminal, malicious or fraudulent acts,
if You personally participated in, directed or had knowledge of, or reasonably should have had knowledge of,
such acts.
c) Family Member – The Services do not apply to any Identity Theft Occurrence that Your spouse or child
participated in, directed or had prior knowledge of, or reasonably should have had knowledge of.
d) Financial Loss – The Services do not cover any financial losses attributed to the Identity Theft Occurrence,
including but not limited to, money stolen from a wallet, unauthorized purchases of retail goods or services online,
by phone, mail or direct, lost wages or income, or direct or consequential loss of any nature.
e) Minors – Services for minors (being those under the age of 18 years) are excluded.
f) Pre-existing Identity Theft Occurrence Limitations – The Services will not be provided to You for a pre-
existing Identity Theft if You had knowledge of, or reasonably should have had knowledge of, the pre-existing
Identity Theft based on information provided to You prior to the Mortgage Term.
g) Corporate entities – The Services will not be provided to corporate entities.
The Services are subject to the following limitations:
a) The Services are not insurance or an indemnity of any nature against any losses, costs, expenses or damages
that may be incurred by You howsoever arising.
b) The Services, for both new and in-process cases, will only be provided to You if You have the benefit of such
Services at the time that the Identity Theft Occurrence took place.
c) The Services apply to Identity Theft occurring anywhere in the world, but shall be limited to Your Credit Standing
in Canada.
d) The Restoration Administrator’s ability to provide the Services in the event of an Identity Theft Occurrence
depends on Your cooperation, permission and assistance.
e) While every reasonable attempt is made to completely restore Your personal identity, the Services described
herein are not warranted to end or solve all problems that may be associated with an Identity Theft Occurrence.
CONDITIONS
The Services apply only during the Mortgage Term. You must report to Us as soon as You become aware of an Identity
Theft Occurrence during the Mortgage Term and in any event no later than ninety (90) days following the expiry of the
Mortgage Term..
If You fail or refuse to cooperate with Us in providing these Services as required, the Services may be reduced or ended,
but only to the extent that Your failure or refusal affects Our ability to provide such Services. This includes Your failure to
provide Us with a Limited Power of Attorney or any information and documentation that We may request in order to
facilitate the Services.
We are not liable for any damages, loss, injury, costs or consequential damages as a result of or originating from the
Services or this Statement of Services.

3. Identity Theft Restoration Services
Statement of Services
HOW TO REPORT AN IDENTITY THEFT OCCURRENCE
Upon discovery of an Identity Theft that may give rise to the Services contained herein, You shall give Us notice thereof
promptly by calling us Monday to Friday, 8 a.m. to 8 p.m. ET, at (905) 287-3380 or (877) 888-1153. Our representatives
will inform You of what information We need and You will be required to submit Your notice in writing to First Canadian
Title Company Limited, 2235 Sheridan Garden Drive, Oakville, Ontario, L6J 7Y5; Attention: Identity Theft Restoration
Services Department. Alternatively, You may submit Your notice by email to idrestoration@firstcdn.com.
TERMINATION OF THE SERVICES
a) The Services shall cease on the expiry date of the Mortgage Term. There shall be no Services performed
resulting from Identity Theft where such Identity Theft occurs after the effective date of such expiration or
cancellation of the Services. Cancellation of the Services shall not reduce or eliminate the ninety (90) day period
(See Conditions) in which You must report to Us the Identity Theft Occurrence.
b) The Services will be cancelled at any time in the event of fraud by You. We may deliver notice of such
cancellation to You at Your last known mailing address, or if You so request, by email communication. If notice is
mailed, proof of mailing shall be sufficient proof of notice and if notice is emailed the ‘date and time stamp’ of
successful delivery shall be sufficient proof of notice.
c) If You wish to cancel the Services You may do so at any time but You must deliver to Us written notice of such
cancellation. The address for delivery of such notice is provided in the “How to Report an Identity Theft
Occurrence” section. Please provide your Investors Group mortgage reference number when doing so.
PRIVACY
The provision of the Services are subject to our Privacy Policy which can be found at www.firstcanadiantitle.com.
2235 Sheridan Garden Drive, Oakville, Ontario, L6J 7Y5
Tel: (905) 287-3380 or 1-877-888-1153 Fax: (905) 287-2403 or 1-800-705-0006
www.firstcanadiantitle.com
™ Trademarks owned by IGM Financial Inc. and licensed to its subsidiary corporations.
Investors Group Trust Co. Ltd. is a federally regulated trust company and the mortgagee. Mortgages are offered through I.G. Investment Management, Ltd.* Inquiries
will be referred to a Mortgage Planning (Agent) Specialist. *In the Province of Ontario, Mortgage Brokerage Licence #10809, Mortgage Administrator Licence #11256.
FCT is committed to protecting our client's privacy and personal information. The personal information you provide is kept confidential and is used to facilitate Identity
Theft Restoration Services. For our complete corporate Privacy Policy, please visit our website at www.firstcanadiantitle.com or contact our Privacy Officer at
1.800.307.0370 or privacy.inquiries@firstcdn.com.
Restoration services by First Canadian Title Company Limited. The services company does not provide insurance products.
®
Registered Trademark of First American Financial Corporation
December 2010