Certificate of Completion

York Region,

Town of Richmond Hill,

Town of Richmond Hill,

Clarica Life Insurance Company, partial 5th Floor renovation, commercial offices.

Date substantially performed:

2002-08-30

Date certificate signed:

2002-09-24

Name of Owner

Clarica Life Insurance Company, Karen Tunks.

Address of Owner

5th Floor, 9050 Yonge Street, Richmond Hill, Ont. L4C 9S6.

Name of Contractor

Govan Brown & Associates Limited

Address of Contractor

555 Richmond Street West, Suite 1208, PO Box 105, Toronto, O

Name of Certifier

Rice Brydone Limited

Address of Certifier

553 Richmond Street West, Toronto, ON M5V 1Y6

In the Town of Richmond Hill, in the Regional Municipality of York and Province of Ontario being composed of:

Clarica Life Insurance Company, Attention