EquiBuild Universal Life

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1 LIFE INSURANCE EquiBuild Universal Life Investment Options & Associated Fees

2 EquiBuild Investment Options & Associated Fees EquiBuild offers a wide range of investment options, including Guaranteed Interest Accounts, Index-Based Accounts and the Life Investment Account. The following investment accounts and their associated current annual fees are available as of September 14, Guaranteed Interest Accounts Guaranteed Interest Accounts provide capital protection and a stable income. They are suited to conservative policy owners with a short- to medium-term investment focus. Two types of Guaranteed Interest Accounts are available. - Daily Interest Account The daily interest rate that we credit to this account is guaranteed to be no less than 100% of the three-month CDOR (Canadian Dollar Offered Rate) reference index less 1% per year, and never less than 0%. - Fixed-Term Accounts Fixed-term accounts are offered in five- and ten-year terms. They are credited with a fixed interest rate for the duration of the term. The rates that we set for these accounts are guaranteed to be no less than 100% of the current on the Government of Canada Bonds (GCB) for the same term, less 1%, and never less than 0%. We typically set higher fixed-term account crediting rates* than the minimum guaranteed rates. Example as at September 14, 2015: Government of Canada Bonds Minimum Guaranteed Rate** Current Rate 5-year 0.82% 0% 1.55% 10-year 1.58% 0.58% 1.75% * Crediting rates for the fixed-term accounts are set weekly. For the current crediting rates offered on fixed-term accounts, please visit the universal life insurance page at ia.ca and choose Guaranteed Interest Accounts for EquiBuild. ** Minimum Guaranteed Rate based on the GCB rates shown in the preceding column.

3 Index-Based Accounts Index-Based Accounts allow policy owners to take advantage of the higher potential prospects of financial markets. They provide a equal to 100% of the total of the financial index used, less the Company s current annual fees. These fees are subject to maximums defined in the contract and are presented below. Index-based investment options are primarily suited to policy owners with a medium- to long-term investment focus who are willing to assume a certain level of volatility in the s on their policy investments. Two types of Index-Based Accounts are available: - Active Management Accounts These Index-Based Accounts have the potential for exceptional long-term growth. The interest rate credited for each of these accounts is equal to 100% of the net compound of the underlying fund, including any net dividends, minus current annual fees. There are two Active Management Accounts available. EquiBuild Account 2 The EquiBuild Active Management Account offers an alternative to fluctuating investment s. This smoothed investment account provides attractive and stable long-term s as it reflects the s of the ia EquiBuild Fund with assets that include bonds, equities and real estate. ia smooths the actual s on the EquiBuild Fund over a period of years, significantly reducing the impact of market fluctuations as compared to year-byyear credited rates. Until December 31, 2019, the credited rate for the EquiBuild Account is guaranteed to be 4.25% (the 5.5% guaranteed on the EquiBuild Fund less an annual fee of 1.25%). Thereafter, the EquiBuild Account rate will be set each January and will equal the smoothed on the EquiBuild Fund less a current annual fee of 1.5%. The Company reserves the right to charge a maximum annual fee of 2%. 3 Canadian (Leon Frazer) 2 The Canadian (Leon Frazer) Active Management Account is based on the ia Clarington Canadian Conservative Equity Fund. The outstanding performance in this fund in the past 50+ years is due to its investment advisor, Leon Frazer and Associates, and their value approach to long-term capital growth: identifying individual companies with the best and cash flow potential, primarily in the Canadian energy and financials sectors as well as telecommunication services, utilities, industrials, materials and other sectors. The on the Canadian account reflects the s on the ia Clarington Canadian Conservative Equity Fund Series A. Currently, the annual fee is 0%, but we reserve the right to charge a maximum annual fee of 0.50%. 1

4 - Market Index Accounts These Index-Based Accounts produce credited rates based on the s of recognized reference indices. The interest rate credited for each of these accounts is equal to 100% of the compound of the index, including any net dividends, minus current annual fees, as indicated in the following table: Series V Market Index Account Financial Index Link Index Description Current Annual Fees Maximum Annual Fees 3 Bonds FTSE TMX Canada Universe Bond Index Steady reproduction of the Canadian bond market. It is composed of federal, provincial, municipal and corporate bonds. Canadian S&P /TSX 60, total Composed of 60 securities from Canadian companies with strong balance sheets. These securities are distributed across 10 industrial sectors and are represented on the Toronto Stock Exchange. Global MSCI World, total net One of the best known international indicators, it is composed of securities of companies operating primarily in North America, Europe and Asia. International MSCI EAFE, total net Composed of securities of companies from a variety of industrialized countries operating in Europe, Australasia and the Far East. European MSCI Europe, total net Composed of European securities from a variety of countries, primarily from Great Britain, Germany, France and Switzerland. U.S. S&P 500, total The best indicator of the U.S. stock market. It is composed of 500 securities from more than 10 industrial sectors. U.S. / DAQ Nasdaq 100 Securities of 100 of the largest companies on the NASDAQ that offer high-technology products and services (computer hardware, software, telecommunications and biotechnology).

5 Life Investment Accounts Life Investment Accounts offer a guaranteed fixed monthly until the death of the insured or until the insured turns 100, whichever comes first. The fixed monthly is calculated on the date the investment is made in the Life Investment Account, based on market rates and the age and sex of the insured(s). These accounts may include a cash refund upon death or surrender of the policy, but have no maturity value. 1 The Company reserves the right to withdraw investment accounts at its sole discretion. However, the Company guarantees it will always offer the Life Investment Account and the EquiBuild Account. The Company also guarantees that it will always offer at least one Fixed-Term Account, as well as three Market Index Accounts with a maximum annual fee of 1.5%. 3 2 The EquiBuild hybrid universal life policy is not a product of the external managers, and they offer no guarantee on the s of this policy. The policy owner has no direct or indirect rights with regard to the units in any underlying fund or any other funds of the same family. 3 If there is an increase in the cost of investment income tax as a result of a future tax change, the Company reserves the right to review these maximum annual fees, increasing them if necessary, only to the extent required to offset the resulting increase in cost. F13-882A PDF ia Financial Group is a business name and trademark of Industrial Alliance Insurance and Financial Services Inc. ia.ca

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