Canada Gazette, Part I, Volume 160, Number 12: MISCELLANEOUS NOTICES

March 21, 2026

15391326 CANADA INC.

LETTERS PATENT OF CONTINUANCE

Notice is hereby given that 15391326 Canada Inc., a wholly owned subsidiary of KOHO Financial Inc., incorporated under the Canada Business Corporations Act, with its head office in Vancouver, British Columbia, intends to file with the Superintendent of Financial Institutions an application for the Minister of Finance to issue letters patent continuing the applicant as a Schedule I bank pursuant to section 35 of the Bank Act under the name “KOHO Bank” in English and “Banque KOHO” in French, to carry on the business of banking in Canada.

Any person who objects to the proposed continuance may submit their objections in writing to the Office of the Superintendent of Financial Institutions (OSFI), 255 Albert Street, 12th Floor, Ottawa, Ontario K1A 0H2, on or before April 27, 2026.

Note: The publication of this notice should not be construed as evidence that letters patent will be issued to 15391326 Canada Inc. to continue as a bank. The granting of the letters patent will be dependent upon the normal Bank Act application review process and the discretion of the Minister of Finance.

March 7, 2026

15391326 Canada Inc.

CANADIAN NORTHERN SHIELD INSURANCE COMPANY
TRAFALGAR INSURANCE COMPANY OF CANADA
UNIFUND ASSURANCE COMPANY

CERTIFICATE OF CONTINUANCE

Notice is hereby given, in accordance with subsection 39(3) of the Insurance Companies Act (the “Act”), that each of Canadian Northern Shield Insurance Company (“CNS”), Trafalgar Insurance Company of Canada (“Trafalgar”), and Unifund Assurance Company (“Unifund”) intend to apply to the Minister of Finance, on or after April 13, 2026, for approval to apply under the Canada Business Corporations Act (the “CBCA”) for a certificate of continuance as a corporation under the CBCA. The boards of directors of each of CNS, Trafalgar and Unifund may, however, without further approval of the sole shareholder of each of CNS, Trafalgar and Unifund, withdraw the application for continuance before it is acted on, in accordance with subsection 39(4) of the Act.

Note: The publication of this notice should not be construed as evidence that the approvals will be issued. The granting of such approvals will be dependent upon the normal review process and the discretion of the Minister of Finance.

Toronto, March 21, 2026

Canadian Northern Shield Insurance Company

Trafalgar Insurance Company of Canada

Unifund Assurance Company

FIDUCIARY TRUST COMPANY OF CANADA

REDUCTION OF STATED CAPITAL

As required under subsection 78(5) of the Trust and Loan Companies Act (Canada) [the “TLCA”], notice is hereby given that Fiduciary Trust Company of Canada (“FTCC”) intends to apply to the Superintendent of Financial Institutions for approval to reduce the stated capital of the common shares of FTCC in accordance with a special resolution passed by the sole shareholder of FTCC (the “reduction of stated capital”). The reduction of stated capital is conditional upon the acquisition of control of FTCC by 17440961 Canada Inc. A copy of the resolution is provided below.

• “RESOLVED AS A SPECIAL RESOLUTION THAT:
  1. The stated capital of FTCC be reduced by reducing the stated capital account maintained by FTCC for its Common Shares to $1.00, without any payment or distribution being made to the sole shareholder of FTCC at that time and with such reduction being effective immediately prior to the effective time of the proposed amalgamation of FTCC and 17440961 Canada Inc. subject to:
     • a. acquisition of control of FTCC by 17440961 Canada Inc.;
     • b. receipt of approval in writing by the Superintendent of Financial Institutions appointed pursuant to the Office of the Superintendent of Financial Institutions Act (Canada) [the “Superintendent”] required under subsection 78(4) of the TLCA; and
     • c. FTCC’s Chief Executive Officer and FTCC’s Chief Financial Officer both being satisfied that there are no reasonable grounds for believing that FTCC is, or the reduction of stated capital of FTCC would cause FTCC to be, in contravention of any regulation referred to in, or direction made pursuant to, section 473 of the TLCA.
  2. Each director and officer of FTCC, acting alone, is authorized to do all such acts and things and to execute and deliver all such documents as in such director’s or officer’s opinion may be necessary or desirable to complete the transaction hereby approved and authorized.”

Note : The publication of this notice should not be construed as evidence that approval will be issued for the reduction of stated capital. The granting of the approval will be dependent upon the usual TLCA review process and the discretion of the Superintendent of Financial Institutions.

Toronto, March 10, 2026

Fiduciary Trust Company of Canada

INDEPENDENCE AMERICAN INSURANCE COMPANY

APPLICATION TO ESTABLISH A CANADIAN BRANCH

Notice is hereby given that Independence American Insurance Company, an entity incorporated under the laws of Delaware, intends to file with the Superintendent of Financial Institutions, on or after March 9, 2026, an application under subsection 574(1) of the Insurance Companies Act (Canada) for an order approving the insuring in Canada of risks, under the English name “Independence American Insurance Company” and the French name “Compagnie d’Assurance Indépendance Américaine.” Independence American Insurance Company is a general insurance company and intends to conduct property insurance in Canada. The head office of the company is located in Scottsdale, Arizona, with the ultimate parent located in Luxembourg. The Canadian chief agent will be located in Newmarket, Ontario.

Toronto, February 18, 2026

Independence American Insurance Company
By its solicitors
Borden Ladner Gervais LLP