As the holiday season draws near, we want to express our heartfelt gratitude for your trust and partnership with Equitable. Your dedication and commitment truly make a difference. Thank you for choosing Equitable for your insurance and wealth solutions and for your continued support throughout the year. Wishing you and your loved ones a joyful holiday season and a successful year ahead!   Client Care Centre holiday hours Friday December 5, 2025 – CLOSED (Individual Insurance only) Wednesday December 24, 2025 - 8:30 a.m. – 3:00 p.m. ET Thursday December 25, 2025 – CLOSED Friday December 26, 2025 – CLOSED December 29, 30 and 31, 2025 - 8:30 a.m. – 7:30 p.m. ET Thursday January 1, 2026 - CLOSED       Individual Wealth All transaction requests to be handled same business day must be submitted in good order by: • December 24, 2025, 11:00 a.m. ET • December 31, 2025, 11:00 a.m. ET FHSA applications must be submitted, in good order by December 31, 2025 at 11:59 p.m. ET to be considered opened in 2025 FHSA deposits to be considered for the 2025 tax year must be: • Submitted to head office in good order by 11:00 a.m. ET on December 31, 2025 RRSP deposits to be considered for the 2025 tax year must be: • Dated March 2, 2026, or before • Must be submitted to Head Office in good order by March 6, 2026, by 4:00 p.m. ET RRSP applications to be considered for 2025 contribution year must be submitted in good order by: • March 2, 2026, 11:59 p.m. ET RRSP B2B Loans: • RRSP loan deposits must be received by March 13, 2026, by 4:00 p.m. ET Note: Transactions submitted after these dates will not receive a 2025 contribution receipt.   Individual Insurance Underwriting All underwriting evidence must be received by Wednesday, December 10th. This gives our underwriting team time to review evidence and make a decision wherever possible. This also provides an additional few days for the issue/settle documents to be received and actioned by the cut-off date. New Business This year, our New Business team needs ALL final settle documents in good order by Monday, December 22nd. This will give us until Tuesday, December 30th to settle the policy. Field Payroll • Second Last Pay Period for 2025– December17, 2025 to December 23, 2025 (Transmission and statements available on December 24, 2025) • Last Pay Period of 2025 – December 24, 2025, to December 31, 2025 (Transmission and statements available January 2, 2026) • First Pay of 2026 – January 1, 2026, to January 6, 2026 (Transmission and statements available on January 7, 2026) Daily Pay will run on business days. Summary Year end UW requirements at Equitable by Issue/settle requirements in good order by Settle date cut off Last pay run Wed. Dec. 31 Wed. Dec. 10 Mon. Dec. 22 Tues. Dec. 30 Wed. Dec. 31 If applications or files come in after the posted cut-off dates, we’ll do our very best to help and aim to settle the policy by year-end. Although we can’t promise the timeline, we’ll work together to make it happen wherever possible.   Thank you for your business and support. We look forward to working together to make this a great year end! Please note that all requirements must be received in Head Office by the above dates to guarantee settlement for year end.