Collection and Use of Personal Information

I/We understand that Pineapple Financial Inc. (“Pineapple”) collects personal information in accordance with and for purposes detailed in its privacy policy available on www.gopineapple.com/privacy-policy/ ("Privacy Policy") including to provide the services requested, better understand my/our financial needs and determine how Pineapple and its affiliated companies may be of service to me/us. The type of information collected and related purposes include:

a) Data such as name, address, contact numbers, email contact, income, employment, age, net worth, investment objectives, and banking information;

b) Unique identifiers: such as social insurance, driver’s license, passport numbers, etc. (as authorized by law); used to fulfill regulatory and other governmental obligations as well asto confirm and/or authenticate my/our identity; c) Information from a consumer reporting agency or other source, which may include account information and/or information about my/our creditworthiness to help determine the mortgage product suitable for my/our needs and to establish or verify my/our credit.

Sharing of Personal Information:

I/We the undersigned understand that Pineapple may share my personal information as detailed in its Privacy Policy, including with its brokers or anyone acting as an agent on its behalf (“Authorized Agent”), including as follows:

a) Pineapple may share my/our personal information to credit bureau agencies, financial institutions, insurers, private investors, creditor life company, etc. to determine my/our eligibility for products and services.

b) Pineapple may share my/our personal information to Authorized Agents or entities within Pineapple, as needed for the provision of services or products requested and/or as detailed in its Privacy Policy.

c) Pineapple shall use my/our social insurance number as an aid to identify me/us with credit bureau agencies and financial institutions and for credit history file matching purposes.

d) Pineapple may advise __________________* about the progress of my/our application. *Realtor/Builder/Financial Planner, etc.

e) Subject to my/our right to withdraw consent detailed in the Privacy Policy and optional consents provided in this Consent and Privacy Agreement, Pineapple may use my/our information to conduct surveys on the quality of its products and services or to provide me/us with offers for additional products and services that they feel may be of interest to me/us.

f) The Brokerage and/or lender will obtain Information and reports about the Potential Borrower from credit reporting agencies and other lenders at the time of the Potential Borrower’s application and any time during the application and on an ongoing basis to review and verify the Potential Borrower’s creditworthiness and/or establish credit and hold limits. The Potential Borrower may choose not to have Brokerage or lender conduct a credit check to assess an application for credit. The Potential Borrower agrees that a mortgage default insurer may obtain Information about the Potential Borrower from a credit reporting agency from time to time and may use such Information for any purpose related to the mortgage default insurance. The Potential Borrower agrees that the approval or granting of any mortgage by the lender to the Potential Borrower, with or without mortgage default insurance, is not to be construed or relied on by the Potential Borrower as representing the value of condition of any underlying security or that it confirms that the Potential Borrower can repay the mortgage debt.

Credit Consent:

In this section the term “Information” means personal, financial, and other details about a Potential Borrower or Mortgagor that the Potential Borrower or Mortgagor provides to Brokerage and which Brokerage obtains from third parties. Notwithstanding any disclosure obligations, or any other obligations under this Agreement. Brokerage shall provide in its application or other contracts with a Potential Borrowers, a provision similar in substance to the following:

“The Brokerage and/or Lender will obtain Information and reports about the Potential Borrower from credit reporting agencies and other lenders at the time of the Potential Borrower’s application and any time during the application and on an ongoing basis to review and verify the Potential Borrowers’ creditworthiness and/or establish credit and hold limits. The Potential Borrower nay choose not to have the Brokerage or Lender conduct a credit check to assess an application for credit. The Potential Borrower agrees that a mortgage default insurer may obtain Information about the Potential Borrower from a credit reporting agency from time to time and may use such information for any purpose related to the mortgage default insurance. The Potential Borrower agrees that the approval or granting of any mortgage by the lender to the Potential Borrower, with or without mortgage default insurance, is not construed or relied on by the Potential Borrower as representing the value or condition of any underlying security or that it confirms that the Potential Borrower has the ability to repay the mortgage debt.”

I/We the undersigned, declare the information provided in the mortgage application is a true and complete representation. I/We understand that it is being used to determine my/our credit responsibility and to evaluate my/our request for credit. I/We authorize Pineapple or their designate to obtain a credit report. I/We acknowledge that the completion of a credit application may take time and it might entail additional credit reports. I/We permit additional credit reports for up to six (6) months from the date signed below. I/We also authorize Pineapple to exchange such credit information for the purpose ofsecuring credit with potential mortgage lenders, mortgage insurers or other service providers.

Sharing for Insurance Products and Services:

Life Insurance:

I/We authorize Pineapple to share my/our contact details including name, phone number, email address and mortgage file to insurance agent and brokerage firm duly authorized by Pineapple, so that they can collect the necessary information to offer me/us competitive life insurance products tailored to my/our needs and which I/We can accept or decline at any time.

Home/Auto Insurance:

I/We authorize Pineapple to share my/our contact details including name, phone number, email address and mortgage file to the property and casualty insurance agent and brokerage firm duly authorized by Pineapple from, so that they can collect the necessary information to offer me/us highly competitive home and auto insurance products tailored to my/our needs and which I/We can accept or decline at any time

Credit Score Verification:

I/We consent to Pineapple and the insurer verifying my/our creditscore with the goal of obtaining the best price possible for my/our home insurance and I/We understand that this consultation will have no impact on my/our credit score.

Suitability:

I/We are aware of:

a) How a variable rate mortgage and its applicable mortgage payment may increase without notice within the term of the mortgage. This may affect the ability to make mortgage payments

b) How terminating or prepaying a mortgage prior to maturity term may involve prepayment penalties. How different mortgage products can vary with various prepayment options.

c) How changes in my/our employment (e.g. reduced income), credit, liabilities, etc. may affect the ability to make mortgage payments in the future and changes prior to closing could affect I/us not qualifying for the mortgage. d) The monthly mortgage payment of PI&T that I/we are comfortable paying is $ ______, based my/our current personal financial obligations (include condo fees if applicable)

e) The inherent risks associated with mortgages. The agent has evaluated my/our needs to assist in determining the most appropriate mortgage including to offer to assist in preparing a budget.

Canada Anti-Spam Legislation:

I/We authorize Pineapple, affiliated entities part of Pineapple Financial and authorized agents to keep in touch with me/us via electronic messaging to provide me/us with content and provide insightful information on mortgages, finances, etc. I/We wish to be kept informed and consent to the receiving of these informative electronic communications. I/We understand that I/we can withdraw consent at any time.

I/We understand that even if I/We do not provide my/our express consent to receive promotional communications, I/We may still be contacted, if authorized under applicable anti-spam legislation, for example if I/We have recently entered into a transaction with Pineapple (and therefore, Pineapple has my/our implied consent) as well as for transactional purposes such as contacts for customer service and/or product or service information, status updates or renewals, reminder notices or answers to my/our questions or inquiries.

Ongoing Commitment:

I/We have read the Privacy Policy available at http://gopineapple.com., and understand that the collection, use and disclosure of my/our personal information by Pineapple will be done in accordance with such Privacy Policy.

I/We agree that a photocopy or electronic copy of this Consent and Privacy Agreement has the same value as the original one.

I/We have read, understood, and received a copy of this Consent and Privacy Agreement.