{"component": "clause", "props": {"groups": [{"samples": [{"hash": "55cibUU9lzu", "uri": "/contracts/55cibUU9lzu#additional-details", "label": "Transaction Framework Agreement (General Motors Co)", "score": 23.8747425079, "published": true}, {"hash": "1taV6RT80Mt", "uri": "/contracts/1taV6RT80Mt#additional-details", "label": "Definitive Transaction Framework Agreement (General Motors Co)", "score": 23.5872688293, "published": true}], "snippet": "This Certificate contains a summary of certain important terms of the Contract. The Contract contains a more complete description of your rights and Prudential's obligations. The Contract will control in the event of a conflict between the terms of this Certificate and the terms of the Contract. Upon a change in the requirements of applicable law or a regulation administered by a governmental agency, we may change the Contract and/or this Certificate. If a change is made, it may be done without the consent of the Payee. Any change will be made only as strictly necessary to satisfy the requirements of law or regulation. Appendix 1.3 - 8 INDEX: Annuity Certificate Section: Page Number Table of Information 1 Prudential's Guarantee 2 Definitions & References 2 Payment Terms 2 Method of Payment 5 Correspondence 5 Beneficiaries 5 Assignment 6 Qualified Domestic Relations Orders 6 Reliance Upon Affidavit or Other Evidence 6 Misstatements, 6 Supplemental Information 7 Certificate Errors and Replacement Certificate 7 Entire Contract 7 Rights of Payees 7 Prudential Telephone Number 7 Deductions from Annuity Payments 8 Additional Details 8 Appendix 1.3 - 9 THE PRUDENTIAL INSURANCE COMPANY OF AMERICA Newark, New Jersey ANNUITY CERTIFICATE Table of Information Covered Life: [Covered Life Name] A Covered Life's Sex and Date of Birth: [Male/Female, Date] A Annuity Certificate Number: [Certificate Number] A [Contract-Holder: ] A [NAME OF TRUST BANK, as Directed Trustee of the Vita Salaried Retirement Trust, a New York trust]A [Name of Plan: ] A [Vita Salaried Retirement Plan]A Group Annuity Contract Number: [Article P of GA-300] A Form of Annuity: Spousal Joint and Survivor Life Annuity Annuity Riders: [Special Benefit RiderLevel Benefit Rider Pop-Up RiderRefund Death Benefit RiderNone] A", "size": 14, "snippet_links": [{"key": "important-terms", "type": "clause", "offset": [47, 62]}, {"key": "description-of", "type": "definition", "offset": [118, 132]}, {"key": "your-rights", "type": "definition", "offset": [133, 144]}, {"key": "in-the-event-of-a", "type": "clause", "offset": [201, 218]}, {"key": "the-terms-of-the-contract", "type": "clause", "offset": [270, 295]}, {"key": "a-change-in", "type": "definition", "offset": [302, 313]}, {"key": "requirements-of-applicable-law", "type": "clause", "offset": [318, 348]}, {"key": "governmental-agency", "type": "definition", "offset": [383, 402]}, {"key": "we-may-change", "type": "clause", "offset": [404, 417]}, {"key": "consent-of-the", "type": "clause", "offset": [504, 518]}, {"key": "any-change", "type": "definition", "offset": [526, 536]}, {"key": "law-or-regulation", "type": "clause", "offset": [608, 625]}, {"key": "annuity-certificate", "type": "definition", "offset": [651, 670]}, {"key": "page-number", "type": "clause", "offset": [680, 691]}, {"key": "of-information", "type": "definition", "offset": [698, 712]}, {"key": "payment-terms", "type": "definition", "offset": [767, 780]}, {"key": "method-of-payment", "type": "definition", "offset": [783, 800]}, {"key": "qualified-domestic-relations-orders", "type": "clause", "offset": [849, 884]}, {"key": "other-evidence", "type": "definition", "offset": [914, 928]}, {"key": "supplemental-information", "type": "clause", "offset": [948, 972]}, {"key": "replacement-certificate", "type": "clause", "offset": [998, 1021]}, {"key": "entire-contract", "type": "clause", "offset": [1024, 1039]}, {"key": "rights-of-payees", "type": "clause", "offset": [1042, 1058]}, {"key": "telephone-number", "type": "definition", "offset": [1072, 1088]}, {"key": "annuity-payments", "type": "definition", "offset": [1107, 1123]}, {"key": "insurance-company", "type": "definition", "offset": [1179, 1196]}, {"key": "of-america", "type": "clause", "offset": [1197, 1207]}, {"key": "new-jersey", "type": "clause", "offset": [1216, 1226]}, {"key": "covered-life", "type": "clause", "offset": [1268, 1280]}, {"key": "date-of-birth", "type": "clause", "offset": [1327, 1340]}, {"key": "certificate-number", "type": "clause", "offset": [1372, 1390]}, {"key": "trust-bank", "type": "definition", "offset": [1446, 1456]}, {"key": "directed-trustee", "type": "definition", "offset": [1461, 1477]}, {"key": "retirement-trust", "type": "clause", "offset": [1499, 1515]}, {"key": "new-york", "type": "definition", "offset": [1519, 1527]}, {"key": "name-of-plan", "type": "clause", "offset": [1537, 1549]}, {"key": "contract-number", "type": "definition", "offset": [1602, 1617]}, {"key": "form-of-annuity", "type": "definition", "offset": [1643, 1658]}, {"key": "joint-and-survivor-life-annuity", "type": "clause", "offset": [1668, 1699]}, {"key": "special-benefit", "type": "definition", "offset": [1717, 1732]}, {"key": "death-benefit", "type": "clause", "offset": [1777, 1790]}], "hash": "93f45a613d725fb07bac3e8e57e8125b", "id": 1}, {"samples": [{"hash": "dTRyJQqM0sX", "uri": "/contracts/dTRyJQqM0sX#additional-details", "label": "Client Account Agreement", "score": 35.3766555786, "published": true}, {"hash": "lcrvUDBTR2i", "uri": "/contracts/lcrvUDBTR2i#additional-details", "label": "Client Account Agreement", "score": 35.1797904968, "published": true}], "snippet": "Intended Use: Investments (Custody for Managed Accounts; Self-Directed Accounts), Savings and Cash (Custody Accounts) The following is a summary of the risks of investing. Please note that this list is not exhaustive, and has been provided as an indication of the factors that can affect the value of your investments. This disclosure may be updated periodically. You may refer to the Risk Disclosure on our site for the most recent disclosure. Equity Risk Investors in equity securities may be exposed to a high level of risk because the prices of equity securities can rise and fall significantly in a short period of time. This could arise due to the fortunes of the companies that issue them or with general stock market or economic conditions. Short Selling Risk Short selling strategies can provide an investor with an opportunity to manage volatility and enhance performance in declining or volatile markets. Short selling securities involves risk because there is no assurance that securities will sufficiently decline in value during the period of the short sale to offset the interest paid by the investor and make a profit for the investor. Securities sold short may instead increase in value. The investor may also experience difficulties repurchasing and returning the borrowed securities. The borrowing agent from whom the investor has borrowed securities may go bankrupt and the investor may lose the collateral it has deposited with the borrowing agent. Credit Risk A fixed income security, like a bond, is essentially a promise to pay interest and repay a specified amount at a later time. The probability that the issuer of the fixed income security will fail to honour that promise is called credit risk. Credit rating agencies give investors an idea of how much of a credit risk an issuer represents. If a company or government has a high credit rating, the credit risk tends to be low. A lower credit rating means more credit risk. Interest Rate Risk A change in general interest rates is one of the biggest factors affecting fixed-income securities. A bond for example, pays interest based on the level of interest rates prevailing when the bond is issued. Generally, if interest rates fall, the value of the bond rises. This is because the interest rate on the existing bond will be higher than the rate on newer bonds. On the other hand, when general interest rates rise, the price of existing bonds is expected to drop because they pay less than newer bonds. Inflation Risk The risk of decline in the purchasing power of your savings due to a general rise in prices. Foreign Currency Risk Investing in securities that are priced in foreign currencies involves foreign currency risk. Securities that are priced in foreign currencies can lose value when the Canadian dollar rises against the foreign currency. As well, foreign governments may impose currency exchange restrictions, which could limit the ability to buy and sell certain foreign investments and could reduce the value of the foreign securities that are held by investors. Foreign Market Risk Foreign investments involve additional risks because financial markets outside of Canada and the U.S. may be less liquid and companies may be less regulated and have lower standards of accounting and financial reporting. In some countries, an established stock market and legal system that adequately protects the rights of investors may be lacking. Foreign investments can also be affected by social, political, or economic instability. Foreign governments may impose investment restrictions. Liquidity Risk Liquidity refers to the speed and ease with which an asset can be sold and converted into cash. Most securities can be sold easily and at a fair price. In highly volatile markets, certain securities may become less liquid, which means they cannot be sold as quickly or easily. Some securities may be illiquid because of legal restrictions, the nature of the investment, or certain other features such as guarantees or a lack of buyers interested in the particular security or market. Difficulty in selling securities may result in a loss or reduced return for a Client. Borrowing Risk The use of leverage may not be suitable for all investors. Using borrowed money to finance the purchase of securities involves greater risk than using cash resources only. If an investor borrows money to purchase securities, the investor\u2019s responsibility to repay the loan and pay interest as required by the terms of the loan remains the same even if the value of the securities purchased declines. Derivatives Risk A derivative is a type of investment whose value is derived from the performance of other investments or from the movement of interest rates, exchange rates or market indices. The Advisor will only recommend derivatives as permitted by securities regulations. The Advisor may recommend derivatives to help offset losses that other investments held by a portfolio might suffer because of changes in stock prices, commodity prices or interest or exchange rates. This is referred to as hedging. Some common risks of hedging with or investing in derivatives are: there is no guarantee that the derivative will be bought or sold at the right time to make a profit or limit a loss, nor that the other party to the contract will meet its obligations. Additionally, if the other party goes bankrupt, the investor could lose any deposits made or assets pledged in favour of the other party under the contract; there is no guarantee that a hedging strategy will always work, as the elements that determine the value of a derivative may change in a manner that is contrary to the intent of the hedge; hedging will not always offset a drop in the value of a security and hedging can prevent the portfolio from making a gain it otherwise may have made; and the portfolio may not be able to create an effective hedge against an expected change in a market if most other people expect the same change. Exchange Traded Fund Risk Exchange-traded funds (\u201cETFs\u201d) are securities that closely resemble index funds but can be bought and sold like common stocks: an ETF may fail to accurately track the market segment or index that underlies its investment objective; an ETF may not be \u201cactively\u201d managed. Such ETFs would not necessarily sell a security because the security\u2019s issuer was in financial trouble, unless the security is removed from the applicable index being replicated. As a result, the performance of an ETF may be lower than the performance of an actively managed fund; some ETFs employ leverage, which can magnify the risk of the underlying market segment or index; the market price of an ETF units may trade at a discount to its net asset value; an active trading market for an ETF\u2019s units may not develop or be maintained; and there is no assurance that the requirements of the exchange necessary to maintain the listing of an ETF will continue to be met or remain unchanged. Extended Hours Trading Risk Extended hours trading refers to the buying and selling of securities outside of regular trading hours. Some risks of extended hours trading include: there may be lower liquidity in extended hours trading as compared to regular trading hours; the prices of stocks and ETFs traded in extended hours trading may not reflect the prices either at the end of regular trading hours, or upon the opening the next morning; the prices displayed on the Firm\u2019s extended hours trading system may not reflect the prices in other concurrently operating extended hours trading systems dealing in the same securities; news announcements by issuers may occur during extended hours trading, which may cause an exaggerated and unsustainable effect on the price of a security if combined with lower liquidity and higher volatility; and lower liquidity and higher volatility in extended hours trading may result in wider than normal spreads for a particular stock or ETF. More disclosure regarding the risks of extended hours trading is available in the Extended Hours Trading Disclosure section of the Firm\u2019s Website, which is available here: \u2587\u2587\u2587\u2587\u2587://\u2587\u2587\u2587.\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587.\u2587\u2587\u2587/en-ca/legal/extended-hours. As part of Wealthsimple\u2019s products, you may receive certain market information. We contract with or rely on various data providers to give you access to market data, including delayed quotes, real-time quotes, end of day and intraday historical quotes, as well as fundamentals data, among others. These data providers are third-party beneficiaries to your account agreement with Wealthsimple Investments Inc. Our data providers are listed below: \u25cf TMX Group Limited \u25cf Neo Exchange Inc. \u25cf Nasdaq Last Sale (Nasdaq, Inc.) \u25cf Unlisted Trading Privileges (Nasdaq, Inc.) \u25cf ICE Data Services, Inc. \u25cf Xignite, Inc. \u25cf Options Price Reporting Authority, LLC You acknowledge that we may engage data providers that aggregate data from other third-party providers or otherwise, or that rely on other data providers or sub-contractors to provide you with access to market information, each such other third party being a beneficiary to your account agreement with Wealthsimple Investments Inc. This brief statement does not disclose all of the risks and other significant aspects of trading in options. In light of the risks, you should undertake such transactions only if you understand the nature of the contracts (and contractual relationships) into which you are entering and the extent of your exposure to risk. Trading in options is not suitable for many members of the public. 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The Contract contains a more complete description of your rights and Prudential's obligations. The Contract will control in the event of a conflict between the terms of this Certificate and the terms of the Contract. Upon a change in the requirements of applicable law or a regulation administered by a governmental agency, we may change the Contract and/or this Certificate. If a change is made, it may be done without the consent of the Payee. Any change will be made only as strictly necessary to satisfy the requirements of law or regulation. INDEX: Appendix 1.3 - 39 Annuity Certificate Section: Page Number Table of Information 1 Prudential's Guarantee 2 Definitions & References 2 Payment Terms 2 Method of Payment 3 Correspondence 3 Beneficiaries 3 Assignment 3 Qualified Domestic Relations Orders 3 Reliance Upon Affidavit or Other Evidence 4 Misstatements 4 Supplemental Information 4 Certificate Errors and Replacement Certificate 5 Entire Contract 5 Rights of Payees 5 Prudential Telephone Number 5 Deductions from Annuity Payments 5 Additional Details 5 Appendix 1.3 - 40 Appendix 2.1-A MECHANICS FOR TRANSFER OF FINAL PLAN PORTFOLIO I. Additional Requirements Regarding [ *** ] [ *** ] will be transferred pursuant to the [ *** ] in form reasonably satisfactory to the Parties, including satisfaction of clauses (A)-(F) below. Promptly following the Closing, the Insurer, and the Plan Trustee, as directed by the Independent Fiduciary, shall deliver joint notice to the applicable [ *** ] as applicable, of the actual transfer of each such [ *** ] including any such transfer by means of the transfer of one or more Newcos formed in accordance with Section 6.13 of the Agreement to the Insurer, and that the Insurer is responsible for the Transferred Liabilities. The Insurer shall take all actions it deems reasonably necessary to prepare to [ *** ] if any, due following the Closing. For the avoidance of doubt, instruments of conveyance shall not expand or diminish any of the rights, obligations or remedies of the Parties under the DTFA. 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