Sun Life Financial Advisor Administration Guide

Transcription

1 Sun Life Financial Advisor Administration Guide managed by CI Investments Inc. issued by Sun Life Assurance Company of Canada

2 How to complete a SunWise Essential Series Signature Form y All plan types except TFSA y TFSA y PMA Enrolment Form Five Tips to successfully establish a SunWise Essential Series Contract holding Income Class Units How to complete subsequent transactions on a SunWise Essential Series Contract y How to make subsequent deposits y How to make a withdrawal y How to make a standard switch (FEL to FEL or DSC to DSC) y How to request a reclassification of units between classes y How to change from the DSC-load option to the ISC (FEL)-load option y How to request the automatic rebalancing service Fund Information y Annual Servicing Commission y Estimated MERs and Estate Class and Income Class Fees Road map for SunWise Essential Series Road map for SunWise Essential Series investing in Private Managed Assets Note: For details regarding Anti-Money Laundering policies and requirements, please refer to ABC { Home } { Advisor business } { Compliance and licensing } Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA)

3 How to complete a SunWise Essential Series Signature Form. All clients must complete the electronic Investment Fund Application and Electronic Signature Form in order to establish a contract. Clients who would like the SunWise Essential Series PMA units must complete the SunWise Essential Series Individual Variable Annuity Contract Application Form and the SunWise Essential Series PMA Enrolment Form. How to complete a SunWise Essential Series signature form for all plan types except TFSA. MANDATORY FIELDS: I. Contract Type Section 2 II. Dealer and Representative Information Section 3 III. Owner Information Section 4 (and Section 5 if applicable) i. Name ii. Date of Birth iii. Social Insurance Number (SIN) IV Annuitant Information Section 6 (applicable only if different from Owner(s)) i. Name ii. Address iii. Date of Birth iv. Country of Residency V. LWA Income Streams for the Income Class Section 8 (mandatory if Income Class units are purchased) Please note: LWA payments cannot begin if an LWA Income Stream has not been selected or required information is incomplete. For the Two-Life Income Stream, the Annuitant s spouse must be the Second Life and the sole primary beneficiary. VI. Beneficiary Designation Section 10 If the Two-Life Income Stream has been selected, this section is mandatory and the Annuitant s spouse must be the sole primary beneficiary. VII. Owner Acknowledgement/ Authorization Section 17 i. Owner s Signature with date ii. Joint Owner s Signature with date (if applicable) iii. Annuitant s Signature with date (if Annuitant is not the owner) iv. Second Life s Signature with date (for Two-Life contracts) v. Signed At (City and Province) VIII. Representative s Acknowledgement Section 18 Important: Initial trades electronically placed into Income Class units will automatically show the Income Stream as Unknown until the SunWise Essential Series signature form is received indicating either One-Life or Two-Life Income Stream. It is recommended that you fax the SunWise Essential Series signature form the same day the trade is placed to ensure the income stream selection is updated. Document Centre fax: Important: Master Account functionality is currently not available to Sun Life Financial Advisors. Only the funds for the selected product type will be available in the Investment Direction section of the electronic Investment Fund Application. SunWise Essential Series Investment Class funds, SunWise Essential Series Estate Class funds and SunWise Essential Series Income Class (GLWB) funds cannot be commingled and must be invested in separate accounts. Please refer to the section What you understand and agree to when you sign this Application on the SunWise Essential Series signature form for more details. 11

4 Section 2 (Contract Type) y One contract type must be selected Section 3 (Dealer and Representative Information) - Mandatory Sections 4 and 5 (Owner Information, Joint, In Trust For or Spousal Registered Plan Information) y The Owner(s) and Annuitant(s) must all be Canadian residents to establish a contract. Section 6 (Annuitant Information) y For Joint Ownership contracts, where the Annuitant section is left blank, the contract will be deemed to have Joint Annuitants. The Death Benefit will be payable only upon the death of the last surviving Annuitant. 1 Contract Number (if available) 2 Contract Type (Select only one) *Subject to the terms of the applicable endorsement 3 Dealer and Representative Information 4 Owner Information The Owner is the Annuitant unless otherwise noted in Section 6 5 Joint, In Trust For or Spousal Registered Plan Information Joint Owner and In Trust for Contracts are not applicable to Registered Contracts Subrogated Policyholders - Quebec residents only: If you (the Owner) and Joint Owner would like to name each other as subrogated policyholders please check here m SunWise Essential Series Individual Variable Annuity Contract Electronic Signature Form SunWise Essential Series Contract Number Distributor s Account Number m Non-Registered Individual m Retirement Savings Plan (RSP) m Retirement Income Fund (RIF) m Non-Registered Joint m Spousal RSP m Spousal RIF m Non-Registered In trust for m Locked-in RSP (LRSP)* m Life Income Fund (LIF)* m Non-Registered Estate/Trust m Locked-in Retirement Account (LIRA)* m Locked-in Retirement Income Fund (LRIF)* m Non-Registered Sole Proprietorship m Restricted Locked-in Savings Plan (RLSP)* m Prescribed Retirement Income Fund (PRIF)* m Non-Registered Partnership m Group RSP m Restricted Life Income Fund (RLIF)* m Non-Registered Corporate Sun Life Financial Distributors (Canada) Inc. Dealer's Name Dealer Number Representative Number Telephone Number Address Training Supervisor's signature (Quebec Only) X m Mr. m Mrs. m Miss m Ms. m Dr. Gender m Male m Female Owner's Name (last, first, middle) Residence Telephone Number Date of Birth Owner's Address Social Insurance Number (SIN) m Mr. m Mrs. m Miss m Ms. m Dr. Gender m Male m Female Name (last, first, middle) Date of Birth Social Insurance Number (SIN) Country of Residency Joint Ownership Information - (Joint Non-Registered Contracts only) Joint Ownership Type: m Joint Owners with Right of Survivorship (not applicable in Quebec) m Joint Owners Representative's Name Signing Authority: m Only one signature required NOTE: If not selected both signatures are required. 6 Annuitant Information Complete if different from Owner(s) For Registered Contracts, the Annuitant must be the Owner. For Non-Registered Joint Ownership Contracts, if no single Annuitant is named in this section, the Contract will be deemed to have Joint Annuitants and the Contract Maturity Date will be determined based on the age of the younger Annuitant. m Mr. m Mrs. m Miss m Ms. m Dr. Gender m Male m Female Annuitant's Name (last, first, middle) Annuitant's Address (if different from Owner) City or Town Province Postal Code Date of Birth Country of Residency Relationship to Owner SW ESS SIG APP 9-10_E2 PART 1 - CI COPY PART 2 - ADVISOR COPY PART 3 - CLIENT COPY 2 Sun Life Financial Advisor Administration Guide

5 7 Successor Owner Optional - For Non-Registered Contracts only This section should only be completed in situations where the Annuitant is not the Owner. 8 LWA Income Streams for the Income Class (Mandatory) LWA payments cannot begin if a LWA Income Stream has not been selected. * Spouse has the meaning as defined by the Income Tax Act 9 LWA Protection Service Effective on or about January 1, Beneficiary Designation For Contracts signed in Quebec the designation of a spouse (married or civil union) as beneficiary is irrevocable unless the Owner checks revocable here: m revocable For the Two-Life Income Stream option on Registered Plans, you must name your spouse as sole primary beneficiary. * Relationship of the beneficiary to the Annuitant in all provinces excluding Quebec where the relationship is to the Owner. 11 Banking Authorization Please attach a void cheque. m Mr. m Mrs. m Miss m Ms. m Dr. Gender m Male m Female Successor Owner's Name (last, first, middle) Address City or Town Province Postal Code Date of Birth Relationship to Owner LWA Income Stream: An LWA Income Stream must be elected at the time of the first deposit into the Income Class and may not be changed. m One-Life Income Stream (for Non-Registered Joint Annuitant Contracts please specify below the name of the Annuitant whose age will be used in determining income stream payments.) m Two-Life Income Stream (for Two-Life Income Stream the Second Life must be the Annuitant s spouse* and the Joint Annuitant on a Non-Registered Contract. For Registered Contracts, spousal details must be provided below) Please complete the information below for Non-Registered Joint Annuitant Contracts electing the One-Life Income Stream or for Registered Contracts electing the Two-Life Income Stream. Gender m Male m Female Name (last, first, middle) Date of Birth Social Insurance Number (SIN) Country of Residency CI will add the LWA Protection Service to ensure that withdrawals in your Income Class do not exceed your LWA. To remove this service please check here m Primary Beneficiary Relationship * Share Contingent Beneficiary Relationship* Name(s) (%) Name(s) (for the adjacent share) m Pre-Authorized Chequing Plan (PAC) - I (We) authorize CI to make the withdrawals as indicated in the Electronic Application. I (We) confirm that all persons whose signatures are required to authorize bank withdrawals have signed below. Funds withdrawn will be invested according to the Investment Direction in the Electronic Application. I (We) understand that I (we) may terminate this authorization by giving CI ten days written notice. X Signature(s) Signature(s) required if Depositor(s) is (are) other than the Owner(s) indicated in Section 4 and/or 5. By signing you confirm the banking information provided in Section 12 and that you have read and agree to the PAC terms and conditions outlined at the front of this application. Total 100% Name of Trustee(s) appointed for minor beneficiary(ies) (appointed administrator in Quebec) m I have attached a letter of direction with additional/alternate/irrevocable beneficiary instructions. Date Section 8 (LWA Income Streams for the Income Class) This section is mandatory for purchases into Income Class units, and must be completed in full to prevent the income stream selection from showing as Unknown. y No redemptions can be processed from the Income Class units if the income stream selection is incomplete. y For the Two-Life income stream, the Second Life must be the Annuitant s spouse. Section 9 (LWA Protection Service) Effective on or about January 1, 2011 y By removing this service, the client will no longer be prevented from redeeming more than their LWA entitlement. Redemptions of Income Class units above the annual LWA will negatively affect the GLWB benefits. Please ensure that the client is aware of any implications this might have. y This service cannot be removed if the LWA Income Stream is not specified (is Unknown ). Section 10 (Beneficiary Designation) y For Registered plans with Two-Life Income Stream option, the Annuitant s spouse must be the sole primary beneficiary for the guaranteed income benefit to continue uninterrupted after the Annuitant s death. m Automatic Withdrawal Plan - I (We) authorize CI to deposit the income payments directly to my (our) bank account as indicated on the Electronic Application. SW ESS SIG APP 9-10_E2 PART 1 - CI COPY PART 2 - ADVISOR COPY PART 3 - CLIENT COPY Section 11 (Banking Authorization) y Mandatory! For non-registered policies, if the PAC payor is different than the policy owner, please complete the electronic third party determination section of the electronic Investment Fund Application. 3

6 Section 12 (Banking Information/Payment Plan Details) y For joint bank accounts requiring both signatures, the joint owners must sign this section. Section 13 (Automatic Withdrawal Plan (AWD) & RRIF/LIF/LRIF/PRIF/RLIF Plan Payment Details) y Income Class withdrawals in excess of the annual LWA, or for RIF-type plans the greater of the LWA or the Income Class minimum annual payment (LWA RRIF MAP), will have a negative impact on future LWA payments. Section 14 (Withholding Tax) y The withholding tax rate specified in this section will apply to your automatic withdrawal plan and any ad-hoc withdrawals. 12 Banking Information/ Payment Plan Details Please attach a void cheque, or complete financial information. For a joint bank account, all Depositors must sign if more than one signature is required on cheques issued against the account. 13 Automatic Withdrawal Plan (AWD) & RRIF/LIF/LRIF/ PRIF/RLIF Plan Payment Details Please review the AWD section in the front of this Application for assistance in completing this section. *Income Class withdrawals in excess of the annual LWA or the Income Class minimum annual payment (MAP), otherwise referred to as LWA RRIF MAP may have a negative impact on future LWA payments. Payments above the LWA that will result in an excess withdrawal will not be processed in the Income Class if the LWA Protection Service is on. Please see Section 9. Withdrawals Bank Account Owner(s) Name(s) Bank Address m Deposit directly to bank account (You will receive your payments in a more timely manner if you choose this option) Bank Name Bank Number Bank Transit Number Bank Account Number Deposits X Signature(s) required if Depositor(s) is (are) other than the Owner(s) indicated in Section 4 and/or 5. By signing you confirm the banking information provided in this Section and that you have read and agree to the PAC terms and conditions outlined at the front of this Application. RRIF/LIF/LRIF/PRIF/RLIF Payment Instructions (The payment date may be between the 1st and 25th of any month) m The minimum annual payment (MAP) requirements m The maximum annual gross amount (for LIF/LRIF/RLIF Plans only) m The annual LWA (for SunWise Essential Series contract holders only) m An annual amount of $ m Gross or m Net of fees* I elect the term of RRIF payments be based on m My age m Age of my spouse if younger Non-Registered AWD Plans m An annual amount of $ m Gross or m Net of fees* m The annual LWA (for SunWise Essential Series contract holders only) Payment Instructions (For all regularly scheduled payments) Payment Frequency (please select only one) m Monthly m Quarterly m Sem-Annually m Annually Fund Code (please provide spouse's date of birth) Payment Start Date Surrender Amount $ or % Note: For LIF and LRIF contracts, please attach the appropriate Spousal Consent/Waiver form. Please contact CI Segregated Funds Team at for a copy of these forms. 14 Withholding Tax Client specified withholding tax for RIF/LIF payments *To determine the rates available please visit our website. 15 LIF/LRIF/PRIF/RLIF Information Payment Method (please select only one) m Deposit directly to bank account m Mail to Owner(s) at address on file m Mail to Owner s alternate address (Indicate address below) Address City Province Postal Code Withholding Tax Rate % (if the rate specified is less than the legislated minimum rate the minimum rate will apply) If the rate elected is not supported by CI, CI will round down to the next available rate supported by CI. Federal and Provincial rates for Quebec are pre-determined by CI based on the rate inputted above*. SPOUSE: Do you have a spouse or pension partner within the meaning of the applicable pension legislation? m Yes m No Note: If you have a spouse or pension partner within the meaning of the applicable legislation, then the form noted at the end of this Application must be fully completed and accompany the Application. 16 Transaction Authorization I (We), the Applicant(s) of this Policy, authorize CI to act upon any written contribution, surrender or exchange request relating to this Policy. I (We) authorize Sun Life Financial Distributors (Canada) Inc., Sun Life Assurance Company of Canada and any of their agents to act upon any contribution, surrender or exchange request relating to this Policy that they receive orally or by telephone or by electronic means, if they reasonably believe that the request was made by me (us). SW ESS SIG APP 9-10_E2 PART 1 - CI COPY PART 2 - ADVISOR COPY PART 3 - CLIENT COPY 4 Sun Life Financial Advisor Administration Guide

7 17 Owner Acknowledgement/ Authorization All Owners, Annuitants and Second Life (if applicable) must read and sign this Section Please ensure all mandatory sections have been completed. 18 Representative's Acknowledgement All advisors must read and sign this Section I (We) declare that all statements and answers made by me (us) on this Application are fully complete and true. I (We) hereby acknowledge having read the provisions contained in the Sun Life Privacy Statement for Canada and CI Investments Privacy Statement for Canada, contained in this Application, and I (we) hereby agree to them and hereby authorize Sun Life Assurance Company of Canada and CI Investments to obtain, use, and transmit to its agents and service providers, personal information about me for the purpose of the administration of this Contract. I (We) request that all documents delivered to me (us) in connection with this Contract be written in English. Je (Nous) demande(ons) que tous les documents qui me (nous) sont remis avec ce contrat soient rédigés en langue anglaise. I (We) acknowledge receipt of the Client Complaint Information document (not applicable to residents of Quebec) and the relationship brochure entitled A Clear Connection: Our Relationship with You. I (We) acknowledge receipt of the Individual Variable Annuity Contract and Information Folder and the Fund Facts prior to signing the Application. I (We) have reviewed and confirmed the accuracy of the information recorded in the Electronic Application on the date as indicated below. I (We) certify that all information in the Electronic Application is full, complete and true, and may be relied upon as if on this signature form. I (We) agree to provide any further information which may be required in connection with the registration and administration of this Contract. By completing the Banking Authorization and/or Banking Information/Payment Plan Details section(s), I (we) declare that all persons whose signatures are required to authorize transactions in the bank account provided have read and agreed to the PAC terms and conditions as outlined at the front of this Application. Request for Registration (Must be completed for RSP, LIRA, Locked-In RSP, RLSP, LIF, LRIF, PRIF and RLIF Contracts) m Yes, Sun Life Assurance Company of Canada is requested to register the above policy as a Retirement Savings Plan under the Income Tax Act (Canada) and under any applicable provincial legislation. m Yes, Sun Life Assurance Company of Canada is requested to register the above policy as a Retirement Income Fund under the Income X Tax Act (Canada) and under any applicable provincial legislation. Owner's Signature X Joint Owner's Signature Annuitant's Signature (Only required if Annuitant is not the Owner) X Date Second Life's Signature (must be the spouse of the Annuitant) X Signed At (City and Province) I, the advisor, confirm that I have reviewed the details provided in this form with the Applicant/Owner(s) and to the best of my knowledge, unless otherwise noted, these details are full, complete and true. In regard to the purchase of a non-registered product, I the advisor, confirm that all of the identification details provided in this form match the original identification documents shown to me. I confirm that I have disclosed to the Owner(s) (a) the companies I represent, (b) that I will receive compensation in the form of commissions or salary for the sale of this product, (c) that I may also receive additional compensation in the form of bonuses or non-monetary benefits such as travel incentives or attendance at conferences, and (d) any conflict of interest I may have with respect to the sale of this product. Date Date Date Section 17 (Owner Acknowledgement/Authorization) y The Owner, Joint Owner, Annuitant and Second Life person (for policies with Income Class units with a Two-Life Income Stream) must sign and date this signature form. y The Signed At (City and Province) information is mandatory. Section 18 (Representative s Acknowledgement) y All advisors must read, sign and date this section. Reminders: For non-registered individual, including sole proprietor, policies, if answering yes to the third party or Politically Exposed Foreign Persons question on the electronic Investment Fund Application you must complete an E4105. For corporate, partnership, not for profit and non-corporate entity policies, the following is mandatory: y E4207 Certificate of incumbency y E4105 Identity verification, third party and politically exposed foreign persons (PEFP) form y Paper copies of all applicable corporate/entity documents. X Representative's Signature Date Complete the following if the Representative verifying identity is different from the Servicing Representative (applicable for non-registered plans only) X Representative's Name Dealer - Representative Number Date ANY AMOUNT THAT IS ALLOCATED TO A SEGREGATED FUND IS INVESTED AT THE RISK OF THE CONTRACT HOLDER AND MAY INCREASE OR DECREASE IN VALUE. SW ESS SIG APP 9-10_E2 PART 1 - CI COPY PART 2 - ADVISOR COPY PART 3 - CLIENT COPY 5

8 How to complete a SunWise Essential Series TFSA signature form All clients must complete the electronic Investment Fund Application and the electronic Signature Form in order to establish a contract. Important: Initial trades electronically placed into Income Class units will automatically show the Income Stream as Unknown until the SunWise Essential Series TFSA signature form is received indicating either One-Life or Two-Life Income Stream. It is recommended that you fax the SunWise Essential Series TFSA signature form the same day the trade is placed to ensure the income stream selection is updated. Document Centre fax: MANDATORY FIELDS: I. Dealer and Representative Information Section 2 II. Planholder Information Section 3 i. Name ii. Date of Birth iii. Social Insurance Number (SIN) III. Beneficiary Designation - Section 4 If the Two-Life Income Stream has been selected for registered contracts, this section is mandatory and the Annuitant s spouse must be the sole primary beneficiary. IV. LWA Income Streams for the Income Class Section 5 (mandatory if Income Class units are purchased) Please note: LWA payments cannot begin if an LWA Income Stream has not been selected or required information is incomplete. For the Two-Life Income Stream, the Annuitant s spouse must be the Second Life and the sole primary beneficiary. V. Planholder Acknowledgement/ Authorization Section 10 i. Planholder s Signature with date ii. Second Life s Signature with date (for Two-Life contracts) iii. Signed At (City and Province) VI. Representative s Acknowledgement Section 11 Important: Master Account functionality is currently not available to Sun Life Financial Advisors. Only the funds for the selected product type will be available in the Investment Direction section of the electronic Investment Fund Application. SunWise Essential Series Investment Class funds, SunWise Essential Series Estate Class funds and SunWise Essential Series Income Class (GLWB) funds cannot be commingled and must be invested in separate accounts. Reminder: The Planholder is required to be the Annuitant on TFSA plan types, as they are considered registered plans. Please refer to the section What you understand and agree to when you sign this Application on the SunWise Essential Series TFSA signature form for more details. 6 Sun Life Financial Advisor Administration Guide

9 SunWise Essential Series Individual Variable Annuity Contract Tax-Free Savings Account (TFSA) Signature Form Section 2 (Dealer and Representative Information) - Mandatory 1 Contract Number (if available) 2 Dealer and Representative Information SunWise Essential Series Contract Number Distributor s Account Number Sun Life Financial Distributors (Canada) Inc. Dealer's Name Representative's Name Dealer Number Representative Number Telephone Number Address Section 3 (Planholder Information) y The Planholder must be a Canadian resident in order to establish a contract. 3 Planholder Information The Planholder is required to be the Annuitant 4 Beneficiary Designation For Contracts signed in Quebec the designation of a spouse (married or civil union) as beneficiary is irrevocable unless the Planholder checks revocable here: m revocable For the Two-Life Income Stream option you must name your spouse as sole primary beneficiary. 5 LWA Income Streams for the Income Class (Mandatory) LWA payments cannot begin if a LWA Income Stream has not been selected. * Spouse has the meaning as defined by the Income Tax Act 6 LWA Protection Service Effective on or about January 1, 2011 Training Supervisor's signature (Quebec Only) X m Mr. m Mrs. m Miss m Ms. m Dr. Gender m Male m Female Planholders's Name (last, first, middle) Residence Telephone Number Date of Birth Primary Beneficiary Relationship to Share Contingent Beneficiary Relationship to Name(s) Annuitant (%) Name(s) (for the adjacent share) Annuitant LWA Income Stream: An LWA Income Stream must be elected at the time of the first deposit into the Income Class and may not be changed. m One-Life Income Stream m Two-Life Income Stream (for Two-Life Income Stream the second life must be the Annuitant s spouse* Spousal details must be provided below) Please complete the Spousal information below when electing the Two-Life Income Stream. Gender m Male m Female Name (last, first, middle) Date of Birth Social Insurance Number (SIN) Country of Residency CI will add the LWA Protection Service to ensure that withdrawals in your Income Class do not exceed your LWA. To remove this service please check here m Total 100% Name of Trustee(s) appointed for minor beneficiary(ies) (appointed administrator in Quebec) m I have attached a letter of direction with additional/alternate/irrevocable beneficiary instructions. Planholder's Address Social Insurance Number (SIN) SW ESS TFSA SIG APP 9-10_E2 PART 1 - CI COPY PART 2 - ADVISOR COPY PART 3 - CLIENT COPY Section 4 (Beneficiary Designation) y For TFSA plans where the Two-Life Income Stream option has been selected, the Planholder s spouse must be the sole primary beneficiary for the guaranteed income benefit to continue uninterrupted after the Planholder s death. Please ensure the appropriate beneficiary designation is made for clients selecting the Two-Life Income Stream. Section 5 (LWA Income Streams for the Income Class) y This section is mandatory for purchases into Income Class units. Please ensure this section is completed in full to prevent the income stream selection from showing as Unknown. y LWA payments cannot begin if an LWA Income Stream has not been selected. Section 6 (LWA Protection Service) Effective on or about January 1, 2011 y By removing this service the client will no longer be prevented from redeeming more than their LWA entitlement. Redemptions of Income Class units above the LWA entitlement can negatively affect the GLWB benefits. Please ensure that the client is aware of any implications this might have. y This service cannot be removed if the LWA Income Stream is not specified (is Unknown ). 7

10 Section 7a (Banking Authorization) y Ensure a void cheque is attached to the signature form. Section 7b (Banking Information / Payment Plan Details) y For joint bank accounts requiring both signatures, the joint owners must sign in this section. Section 8 (Automatic Withdrawal Plan (AWD) Details) y Income Class withdrawals in excess of the annual LWA will have a negative impact on future LWA payments. 7a Banking Authorization Please attach a void cheque. 7b Banking Information/ Payment Plan Details Please attach a void cheque, or complete financial information. m Pre-Authorized Chequing Plan (PAC) - I authorize CI to make the withdrawals as indicated in the Electronic Application. I confirm that all persons whose signatures are required to authorize bank withdrawals have signed below. Funds withdrawn will be invested according to the Investment Direction in the Electronic Application. I understand that I may terminate this authorization by giving CI ten days written notice. X Signature(s) Date Signature(s) required on a joint bank account if all Depositors signatures are required on a cheque issued against the account. By signing you confirm the banking information provided in Section 7b and that you have read and agree to the PAC terms and conditions outlined at the front of this Application. m Automatic Withdrawal Plan - I authorize CI to deposit the income payments directly to my bank account as indicated on the Electronic Application. Withdrawals m Deposit directly to bank account (You will receive your payments in a more timely manner if you choose this option) Bank Account Owner(s) Name(s) Bank Name Bank Address Bank Number Bank Transit Number Bank Account Number Deposits X Signature(s) Signature(s) required on a joint bank account if all Depositors signatures are required on a cheque issued against the account. By signing you confirm the banking information provided in this Section and that you have read and agree to the PAC terms and conditions outlined at the front of this Application. 8 Automatic Withdrawal Plan (AWD) Details Please review the AWD section in the front of this Application for assistance in completing this section. *Income Class withdrawals in excess of the annual LWA may have a negative impact on future LWA payments. Payments above the LWA that will result in an excess withdrawal will not be processed in the Income Class if the LWA Protection Service is on. Please see Section 6. AWD/GMWB Amount (please select only one) m An annual amount of $ m Gross or m Net of fees* m The annual LWA (for SunWise Essential Series Planholders only) Payment Frequency (please select only one) m Monthly m Quarterly m Semi-Annually m Annually Payment Start Date Fund Code Payment Method (please select only one) Surrender Amount $ or % m Deposit directly to bank account m Mail to Planholder at address on file m Mail to alternate address (indicate address below) Address City Province Postal Code SW ESS TFSA SIG APP 9-10_E2 PART 1 - CI COPY PART 2 - ADVISOR COPY PART 3 - CLIENT COPY 8 Sun Life Financial Advisor Administration Guide

11 9 Transaction Authorization 10 Planholder Acknowledgement/ Authorization The Planholder and Second Life (if applicable) must read and sign this Section I, the Planholder of this Policy, authorize CI Investments Inc. to act upon any written contribution, surrender or exchange request relating to this Policy. I authorize Sun Life Financial Distributors (Canada) Inc., Sun Life Assurance Company of Canada and any of their agents to act upon any contribution, surrender or exchange request relating to this Policy that they receive orally or by telephone or by electronic means, if they reasonably believe that the request was made by me. I have requested that all documents be delivered to me in connection with this Contract be written in English. Je demande que tous les documents qui vous sont remis avec ce contrat soient rédigés en langue anglaise. I declare that all statements and answers made by me on this Application are fully complete and true. I acknowledge receipt of the Individual Variable Annuity Contract and Information Folder and the Fund Facts prior to signing the Application. I also hereby acknowledge receipt of the Client Complaint Information document (not applicable to residents of Quebec) and the relationship brochure entitled A Clear Connection: Our Relationship with You. I have reviewed and confirmed the accuracy of the information recorded in the Electronic Application on the date as indicated below. I certify that all information in the Electronic Application is full, complete and true, and may be relied upon as if on this signature form. I agree to provide any further information which may be required in connection with the registration and administration of this Contract. By completing the Banking Authorization and/or Banking Information/Payment Plan Details section(s), I declare that all persons whose signatures are required to authorize transactions in the bank account provided have read and agreed to the PAC terms and conditions as outlined at the front of this Application. Section 10 (Planholder Acknowledgement/ Authorization) y The Planholder and Second Life person (for policies with Income Class units with a Two-Life Income Stream) must sign and date this signature form. y The Signed At (City and Province) information is mandatory. Section 11 (Representative s Acknowledgement) y All advisors must read, sign and date this section. By signing this Application I request Sun Life Assurance Company of Canada to file an election with the Minister of National Revenue to register the qualifying arrangement as a TFSA under section of the Income Tax Act. Please ensure all mandatory sections have been completed. X Planholders's Signature Date Second Life's Signature (must be the spouse of the Annuitant) X Date Signed At (City and Province) 11 Representative's Acknowledgement All advisors must read and sign this Section I, the advisor, confirm that I have reviewed the details provided in this form with the Applicant/Policyholder and to the best of my knowledge, unless otherwise noted, these details are full, complete and true. I confirm that I have disclosed to the Planholder (a) the companies I represent, (b) that I will receive compensation in the form of commissions or salary for the sale of this product, (c) that I may also receive additional compensation in the form of bonuses or non-monetary benefits such as travel incentives or attendance at conferences, and (d) any conflict of interest I may have with respect to the sale of this product. X Representative's Signature Date ANY AMOUNT THAT IS ALLOCATED TO A SEGREGATED FUND IS INVESTED AT THE RISK OF THE CONTRACT HOLDER AND MAY INCREASE OR DECREASE IN VALUE. SW ESS TFSA SIG APP 9-10_E2 PART 1 - CI COPY PART 2 - ADVISOR COPY PART 3 - CLIENT COPY 9

12 y This form is to be used in conjunction with the SunWise Essential Series Application Form. y Ensure the minimum investment of $500,000 per contract and $100,000 per fund are met. y For existing SunWise Essential Series contracts, where the request is to switch existing units to SunWise Essential Series PMA, the PMA Enrolment Form must be completed, signed and attached to the switch* request. Original or fax signed copies are required. * Please see page 14 for How to make a standard switch. How to complete the SunWise Essential Series PMA Enrolment Form SunWise Essential Series Private Managed Assets Program How the PMA Management Fee and PMA Servicing Commission Fee Work Maintaining Your Contract Minimum SunWise Essential Series Private Managed Assets Program Enrolment Form To be used in conjunction with the SunWise Essential Series Application Form The SunWise Essential Series Private Managed Assets Program (PMA) has been designed to provide efficiency and flexibility for our high net worth investors. Contract Minimums: CDN $500,000 Fund Minimums: CDN $100,000 Subsequent Purchases: CDN $5,000 PACs: CDN $5,000 Annual PMA Servicing Commission: % negotiable between dealer, financial advisor and investor PMA Management Fees and PMA servicing commission fees are accrued daily and charged monthly by redeeming units from your Contract. (Please refer to Sections 2, 3 and 4 of this form and to the SunWise Essential Series Information Folder and Individual Variable Annuity Contract for more details on PMA Management Fees and PMA servicing commission fees.) If the book value of your Contract falls below $500,000 (the Contract minimum), a tax-free switch from SunWise Essential Series PMA units to SunWise Essential Series units of the same fund may occur. CI will contact your Distributor and/or Representative advisor before making the switch. Section 3 (PMA Servicing Commission Fee) y The PMA Servicing Commission fee defaults to zero unless otherwise specified. The negotiated service fee can be different for each fund. 1 Client Information Please attach a completed SunWise Essential Series Application Form. Owner: Mr. Mrs Miss Ms. Dr. Last Name Joint Owner: Mr. Mrs Miss Ms. Dr. First Name Last Name First Name 2 PMA Management Fees I (We) agree to pay the PMA Management Fee set out in the SunWise Essential Series Information Folder and Individual Variable Annuity Contract to CI Investments Inc. (the Manager ). The PMA Management Fee will be calculated automatically by the Manager, and will be paid by pro-rated redemption of my (our) units held in the Funds. The PMA Management Fee for each Fund will be applied to the aggregate daily net asset value of the PMA units in my (our) Contract at the end of each day, calculated daily and charged at the end of each month, plus applicable taxes. 3 PMA Servicing Commission Fee In consideration for the services of my (our) Distributor, I (we) agree to pay the PMA servicing commission fee set out below. The PMA servicing commission fee will be calculated automatically by the Manager, and will be paid by pro-rated redemption of my (our) units in the Funds. The PMA servicing commission fee will be applied to the aggregate daily net asset value of the PMA units in my (our) Contract at the end of each day, calculated daily and charged at the end of each month, plus applicable taxes. The PMA servicing commission fee payable on units purchased during a month will be pro-rated for such month. Fund Code PMA Servicing Fund Code PMA Servicing Fund Code PMA Servicing Commission Fee (0% - 1%) Commission Fee (0% - 1%) Commission Fee (0% - 1%) SW ESS PMA 9-10_E PART 1 - CI COPY PART 2 - ADVISOR COPY PART 3 - CLIENT COPY 10 Sun Life Financial Advisor Administration Guide

13 4 Authorization and Acknowledgement The undersigned hereby applies for units of the Fund(s) indicated on the attached SunWise Essential Series Application Form. I (We) authorize the Manager to redeem, on a monthly and/or quarterly basis, as required, units of the Funds held by me (us) in order to pay the PMA Management Fee indicated in Section 2 to CI Investments Inc. and to pay the PMA servicing commission fee indicated in Section 3 to the Distributor. I (We) acknowledge receipt of the current SunWise Essential Series Information Folder and Individual Variable Annuity Contract and understand that these transactions are made under the terms and conditions therein. I (We) acknowledge that I (we) am (are) responsible for all investment decisions involving the Fund(s). I (We) acknowledge that I (we) must maintain a minimum investment amount of $500,000 in my (our) account at all times. Lastly, I (we) am (are) aware of and assume responsibility for any tax consequences which may result from account transactions, including the payment of fees and the redemption of units of the Funds to cover fees. Section 4 (Authorization and Acknowledgement) y The Owner, Joint Owner and the advisor must sign and date this form. The Manager may refuse any Deposit according to our administrative policies in effect at the time we receive the Deposit, provided we make that decision by the end of the Valuation Date after the Valuation Date on which the Deposit would otherwise be processed. In addition, we have the right to refund any Deposit previously accepted within ten business days after receipt. I have requested this document to be drawn in the English language. J ai exigé que ce document soit rédigé en anglais. X Owner's Signature Date X Joint Owner's Signature Date X Representative's Signature Date When completed, please send the CI copy to: CI Investments Inc., Administration Office, CI Place, 151 Yonge Street, Eighth Floor, Toronto, Ontario, M5C 2W7 SW ESS PMA 9-10_E PART 1 - CI COPY PART 2 - ADVISOR COPY PART 3 - CLIENT COPY 11

14 Five Tips to successfully establish a SunWise Essential Series Contract holding Income Class Units To prevent delays in establishing accounts, please make sure that all fields marked mandatory are completed on the signature form. 1. Please review the income stream options carefully to ensure your clients have selected an option that is appropriate for their income needs. y The income stream options available are One-Life Income Stream or Two-Life Income Stream. y For One-Life Income Stream contracts, annual payments are guaranteed for the life of the Annuitant. y For Two-Life Income Stream contracts, annual payments are guaranteed for the life of both the Annuitant and their spouse. y The income stream must be selected when the contract is opened and cannot be changed. y If an income stream has not been selected, the income stream will be set to Unknown and no redemptions will be permitted from the Income Class units. y Guaranteed income payments can start as early as January 1 of the year in which the Annuitant (or the younger of the Annuitant or the Second Life for Two-Life Income Stream policies) turns 65 years of age. 2. When setting up an account electronically, ensure the signature form is sent in on the same day to avoid trade restrictions that apply to policies with an Unknown income stream. y Initial trades placed electronically into Income Class units will default to an Unknown income stream until the supporting paperwork is received, remember to fax the signature form immediately. y Sending in the signature form and all relevant documentation will also help ensure that client reporting documents (statements and confirmations) do not show an Unknown income stream. 3. When your clients are purchasing Income Class units with a Two-Life Income Stream, please ensure you are aware of the following: y For all registered contracts, the Annuitant s spouse must be the sole primary beneficiary. y For non-registered contracts, the contract must have joint Annuitants, where the two Annuitants are spouses. y Guaranteed income payments will always be based on the age of the younger spouse. 4. Switching from Deferred Sales Charge (DSC) units to Front End Load (or Initial Sales Charge, ISC) units. y DSC to ISC switches may negatively affect your client s death, maturity guarantees and GLWB values. This load type change will also affect the 5% Bonus eligibility for the Income Class units. The SunWise Essential Series DSC to ISC Change Request form must be completed in order to request this type of transaction. The client s signature is mandatory on this form. 5. LWA Protection Service y The LWA Protection Service will automatically apply to all policies where the income stream has not been selected. This service cannot be removed until the income stream is changed to either One-Life or Two-Life. 12 Sun Life Financial Advisor Administration Guide

15 How to complete subsequent transactions on a SunWise Essential Series Contract How to make subsequent deposits. If Transaction Authorization (TA) is on file, y Complete the purchase using the electronic Investment Fund Application. If no Transaction Authorization (TA) is on file, y Complete and have the client sign an Order ticket (4106-E). This form is only available on the online ordering system. y If the transaction has a negotiated front-end load, complete the special instructions section indicating the source of funds and percentage negotiated. IMPORTANT! To improve client service and process trades faster, consider TA. Without it, your paper request will be processed once we receive a client-signed Order ticket. A client signature is required for every transaction. How to make a withdrawal. If Transaction Authorization (TA) is on file, y Complete the redemption using the electronic Investment Fund Application. If no Transaction Authorization (TA) is on file, y Complete and have the client sign an Order ticket (4106-E). This form is only available on the online ordering system. Important: Early withdrawals before the LWA Eligibility Date (January 1st of the year the younger of the Annuitant or Second Life turns age 65) as well as withdrawals in excess of the annual Lifetime Withdrawal Amount (LWA) may have a negative impact on future guaranteed payments under the Guaranteed Lifetime Withdrawal Benefit (GLWB). Any withdrawal from the GLWB will remove the client s entitlement for a 5% Bonus at the end of that calendar year. It is recommended that advisors should check the LWA details on eciss before completing withdrawals to avoid excess withdrawals. Note: Cheques, electronic funds transfer (EFT) and automatic withdrawal (AWD) payments can only be made payable to the client. Alternate payee instructions will not be accepted. Important: Income Class unit withdrawals are not permitted if the LWA Income Stream has not been selected. 13

16 How to make a standard fund switch (FEL to FEL or DSC to DSC). If Transaction Authorization (TA) is on file, y Complete the fund switch using the electronic Investment Fund Application. If no Transaction Authorization (TA) is on file, y Complete and have the client sign an Order ticket (4106-E). This form is only available on the online ordering system. Note: For a SunWise Essential Series contract, a DSC, DSC free or DSC matured unit switch to FEL fund(s) cannot be completed using the electronic Investment Fund Application. This type of transaction can only be completed using the SunWise Essential Series DSC to ISC Change Request form available at 14 Sun Life Financial Advisor Administration Guide

17 How to request a reclassification of units between Classes y y Complete and have the client sign the SunWise Essential Series Fund Transfers and Reclassifications Order Ticket available at Client signature is mandatory regardless of whether Transaction Authorization (TA) is on file. This form cannot be used to reclassify multiple SunWise Essential Series contracts. Forms instructing to reclassify multiple contracts will be returned to you unprocessed. Only use one form per contract. Send completed forms either by fax or to the Document Centre, 300B25. Section 1 (Contract Number) y Please ensure that the contract number is provided. Section 2 (Owner Information) y Please ensure to provide the Owner s information. SunWise Essential Series Fund Transfers and Reclassifications Order Ticket Complete this form to transfer between Funds of the same Class or to reclassify Units 1 Contract Number SunWise Essential Series Contract Number Distributor s Account Number 2 Owner Information Owner's Name (last, first, middle) Joint Owner's Name (last, first, middle) 3 Fund Transfers (Switches) Switch out Switch in If direction is being provided for a reclassification, please complete the reclassification section below. Fund Code $ % Units Fund Code $ % Units For transfers from DSC to ISC please complete the SunWise Essential Series DSC to ISC Change Request Form. Systematic Plan default for Transfers Full Transfer (fund level) Partial Transfer (fund level) Please select one of the following three options to modify the systematic plan default above: Continue existing systematic plan on the current fund(s) Stop systematic plan Change of systematic plan instructions provided on letter of direction attached PAC / AWD / IFE Stops all systematic plans Continues on existing fund Change Fee % (up to 2%) Change fees are not permitted on Income Class Units 4 Systematic Transfer Plans If you would like to have your fund transfer occur systematically please complete this section. Frequency Weekly Bi-weekly (every two weeks) Quarterly Annually Monthly Bi-monthly (every two months) Semi-Annually Start Date SW ESS SWITCH TK9-10_E 15

18 Section 5 (Reclassifications) y Complete the From and To selections. y Complete the Fund Instruction in the chart provided. Section 6 (Income Class Details) y This section is mandatory for firsttime purchases into Income Class units. Please ensure all details are provided. y LWA payments cannot begin if an LWA Income Stream has not been selected. 5 Reclassifications Full reclassification Reclassifying from: Investment Class Estate Class Income Class Partial reclassification $ A M O U N T g Reclassifying to: Investment Class Estate Class Income Class (complete Section 6 if Income Class does not currently exist within your contract) Note: - Reclassifications out of Investment Class will be processed at market value affecting your Death Benefit Base and Contract Maturity base. - Reclassifications out of Estate Class will carry over your Death Benefit Base and Contract Maturity base. If you reclassify to Investment Class the death benefit reduces to 75%. - Reclassifications out of Income Class will be treated as LWA payments for the purpose of the GLWB. The Death Benefit Base and Contract Maturity base will carry over. If you reclassify to Investment Class the death benefit reduces to 75%. Fund Instruction for Reclassifications Reclassifying from SunWise Essential Series Contract Number Reclassifying to Fund Code $ % Units Fund Code $ % Units Systematic Plan default for Reclassifications Full Reclassification (fund level) Partial Reclassification (fund level) PAC / AWD / IFE Stops all systematic plans Continues on existing fund Please select one of the following three options to modify the systematic plan default above: Continue existing systematic plan on the current fund(s) Stop systematic plan Change of systematic plan instructions provided on letter of direction attached Change Fee % (up to 2%) Change fees are not permitted on Income Class Units 6 Income Class Details Complete this section when the units being reclassified are the first units purchased into Income Class. *Spouse has the meaning as defined in the Income Tax Act. The spouse must sign in the Owner Authorization Section of this form. LWA Income Stream: An LWA Income Stream must be elected at the time of the first deposit into the Income Class and may not be changed. One-Life Income Stream (for Non-Registered Joint Annuitant Contracts please specify below the name of the Annuitant whose age will be used in determining income stream payments.) Two-Life Income Stream (for Two-Life Income Stream the Second Life must be the Annuitant s spouse* and the Joint Annuitant on a Non-Registered Contract. For Registered Contracts, spousal details must be provided below) Please complete the information below for Non-Registered Joint Annuitant Contracts electing the One-Life Income Stream or for Registered Contracts electing the Two-Life Income Stream. Gender Male Female Name (last, first, middle) Date of Birth Social Insurance Number (SIN) Country of Residency SW ESS SWITCH TK9-10_E 16 Sun Life Financial Advisor Administration Guide

19 7 Beneficiary Change Request *Relationship of the beneficiary is to the Annuitant in all provinces excluding Quebec. In Quebec, the relationship is to the Owner. For Contracts signed in Quebec the designation of a spouse (married or civil union) as beneficiary is irrevocable unless the Owner checks revocable here: revocable For the Two-Life Income Stream option on Registered Plans, you must name your spouse as sole primary beneficiary. If someone other than the spouse is named beneficiary this will result in cancellation of the LWA payments upon the death of the Owner/Annuitant. Primary Beneficiary Name(s) Relationship * Share Contingent Beneficiary Name(s) Relationship* (%) (for the adjacent share) Total 100% If the beneficiary(ies) predecease(s) the Annuitant, or if applicable, the last surviving Annuitant in the case of joint Annuitants, a contingent beneficiary for that beneficiary s share, if still alive at the death of the Annuitant, shall receive that beneficiary s share of the death benefit. If no contingent beneficiary for that share is named or is alive at that time, that share shall be payable to the Owner or if the Owner was the Annuitant, to the estate of the deceased Owner. SunWise Essential Series Contract Number Section 8 (LWA Protection Service) Effective on or about January 1, 2011 y By removing this service the client will no longer be prevented from redeeming more than their LWA entitlement. Redemptions of Income Class units above the LWA entitlement can negatively affect the GLWB benefits. Please ensure that the client is aware of any implications this might have. y This service cannot be removed if the LWA Income Stream is not specified (is Unknown ). 8 LWA Protection Service Effective on or about January 1, Owner Authorization (Mandatory) *required when establishing your first deposit into Income Class Units on a Registered Plan. The Second Life must be the spouse of the annuitant **Limited Trading Authorization dated September 2010 or later on file (Not applicable for Sun Life Financial Advisors) CI will add the LWA Protection Service to ensure that withdrawals in your Income Class do not exceed your LWA. To remove this service please check here Your signature below confirms that you understand: - all possible effects that the requested transaction will have to your contract - that one or more of the transactions you have requested on this form may have a negative impact to your Maturity Benefit, Death Benefits and GLWB - for the Income Class, units reclassified out will be considered an Early Withdrawal if made prior to age 65 and as an LWA payment reducing your entitlement for the year if made after age 65. Any amount above the LWA entitlement will be considered an Excess Withdrawal. The 5% Bonus is only available in a calendar year if no LWA payments are taken. - for switches, transfers and reclassifications: I/We hereby authorize CI Investments to buy/sell and or transfer units out of my/our Contracts in accordance with the instructions set out above. Section 9 (Owner Authorization) y Mandatory or reclassification requests, Owner and Joint Owner must sign and date this form. Note: If a Second Life has been provided, the Second Life must also sign the reclassification form. X Owner's Signature X Joint Owner's Signature Irrevocable Beneficiary's Signature (if applicable) Date Date Section 10 (Representative Authorization) y Mandatory Advisor must sign and date this form. Second Life's Signature* Authorized Representative's Signature (as per Limited Trading Authorization if applicable)** 10 Representative Authorization (Mandatory) To be completed by representative. Your signature below confirms you: - have received instructions from your client and direct us to act on the transaction requested and that you have disclosed the possible effects of the trade to the client. - understand where a client disputes a transaction, all market risk or cost of a trade reversal will be the responsibility of the representative where client signature has not been obtained. Representative's Name Dealer and Representative Number X Representative's Signature Date SW ESS SWITCH TK9-10_E 17

20 Important to note: y A DSC to ISC transaction may negatively affect the Contract Maturity and Death Benefits, as well as the GLWB benefit as follows: y For the Death and Contract Maturity Benefits, the switchout part of the transaction will proportionately reduce Contract Maturity and Death Benefits as if it were a redemption from the account. y For the GLWB, the switch-out part of the transaction will be considered an LWA payment reducing the entitlement for the year. Any amount above the LWA entitlement will be considered either an Early Withdrawal or Excess Withdrawal. This transaction will also affect the 5% Bonus eligibility. How to change from the DSC-load option to the ISC (FEL)-load option Use the SunWise Essential Series DSC to ISC Change Request Form 1 Contract Details 2 DSC to ISC Change Details *Age restrictions apply to the Funds being switched into. Please refer to Deposit restrictions within the SunWise Essential Series Information Folder and Individual Variable Annuity Contract for further details. SunWise Essential Series DSC to ISC Change Request Form Use this form to switch Fund units from DSC to ISC SunWise Essential Series Contract Number Distributor s Account Number Name of Contract Owner(s) (first, middle, last) Please ensure that reclassification instructions are not provided on this form. To reclassify units (from one Class to another) please ensure to use the SunWise Essential Series Fund Transfers and Reclassifications Order Ticket. Free Unit DSC to ISC Change Requests (please select all that apply) Change all Free Units to the same ISC Fund Change all Mature Units to the same ISC Fund Change all Free Units to different Fund(s) as indicated below Change all Mature Units to different Fund(s) as indicated below For alternative DSC to ISC Changes please complete below: Switch Out Switch In* Fund Code $,% or Units Fund Code $,% or units Initial Sales Charge (If applic.) Section 1 (Contract Details) y Please ensure that the contract number and contract Owner s name are provided. Section 2 (DSC to ISC Change Details) y For DSC to ISC switch requests where the fund instructions are changing, please ensure to provide both the source fund(s) and the target fund(s). Section 3 (Owner Authorization) y Mandatory Owner and Joint Owner must sign and date this form. 3 Owner Authorization (Mandatory) 4 Representative Authorization PAC/AWD Default: CI will move the PAC/AWD to the new Fund on a full Fund change into a single Fund and continue on the current Fund for partials. Please select one of the following three options should you wish for something different than the default. Continue existing PAC/AWD plan on the current Fund Stop PAC/AWD plan Change of PAC instructions provided on LOD attached Change Fee % (up to 2%) Change fees are not permitted on Income Class Units You understand the following when signing this form: A DSC to ISC transaction may negatively affect your Maturity and Death Benefits. The switch out part of the transaction will proportionately reduce your Maturity and Death Benefits as if it were a Redemption from your account. For the Income Class, the switch out part of the transaction will be considered an Early Withdrawal if made prior to age 65 and as an LWA payment reducing your entitlement for the year if made after age 65. Any amount above the LWA entitlement will be considered an Excess Withdrawal. The 5% Bonus is only available in a calendar year if no LWA payments are taken. DSC redemption fees may apply for the switch out part of this transaction and a new sales charge may apply on the switch in. The switch out part of the transaction may result in a capital gain or a capital loss since it creates a taxable disposition. (Non-registered contracts only) Your signature below confirms your direction to us to act on the transaction requested above. Your signature also confirms that you have read, understood and agree to accept the above listed possible effects of the switch out and switch in transactions. X Owner's Signature X Joint Owner's Signature Irrevocable Beneficiary Signature (if applicable) Date Your signature below confirms you have disclosed the possible effects of the DSC to ISC switch to the client. Date Section 4 (Representative Authorization) y Mandatory Advisor must sign and date this form. To be completed by the representative X Representative's Name X Representative's Signature Dealer & Rep Code. Date DSC-ISC CRF 9-10_E 18 Sun Life Financial Advisor Administration Guide

21 How to request the automatic rebalancing service y Complete and have the client sign the Automatic Rebalancing Service Form available at orderform. Client signature is mandatory regardless of whether Transaction Authorization (TA) is on file. y This form cannot be used to establish rebalancing options for multiple SunWise Essential Series contracts. Forms instructing to rebalance multiple classes or multiple contracts will be returned to you unprocessed. Use only one form per contract. y Automatic rebalancing cannot be done across fund classes. y Rebalancing is not permitted between load types; example: FEL (ISC) to DSC or DSC to FEL (ISC). Send the completed form by fax to or to the Document Centre, 300B25. CI Investments offers an automatic rebalancing service to all investors. On the first Friday of every month we will review your account to determine if you are scheduled for a review based upon your instructions. If one or more of your fund holdings varies from your target allocation by more than your selected variance, we will automatically switch your investments back to your requested target allocation. There is no fee for this service. Unitholder Information: Automatic Rebalancing Service Form CI Account Number Surname First Name Dealer Account Number Joint Surname (if applicable) Joint First Name (if applicable) 1) Create or change your target weighting: CI Place, 151 Yonge Street, Eighth Floor Toronto, Canada M5C 2W7 Client Services: Fax: Fund Name Fund Code Percentage weighting of target (must total 100%) % % % % % % % % % % Section 1 (Create or change your target weighting) y Please ensure that the funds you choose to rebalance are within the same guarantee class. Section 2 (Select Automatic Rebalancing Options) y Please ensure the Automatic Rebalancing Option (Fund Level vs. Account Level) is completed. Section 4 (Select your variance) y If you do not wish to have the default variance (2.5%) apply to your rebalancing service, please ensure to make a selection. Section 5 (Select your frequency) y If you do not wish to have the default frequency (quarterly) apply to your rebalancing service, please ensure to make a selection. Section 6 (Client Authorization) y Mandatory Owner and Joint Owner must sign and date this form. (Financial Advisor Information) y Mandatory Advisor must provide their dealer/rep code and name. 2) Select Automatic Rebalancing Options*: Please apply all switches made within the Automatic Rebalance Program at the: Fund Level Account Level. Please see the reverse of this page for a more detailed description of these options. *If a rebalancing option is not indicated, the Automatic Rebalancing Service will default to the Fund Level. 3) Immediate Rebalancing Request (Optional): Please immediately rebalance my fund holdings as per the target weighting indicated in Section 1. If a selection is made below it will apply to a one-time rebalancing only. Please initiate the switches at the: Fund Level Account Level. 4) Select your variance: 2.5% 3.0% 3.5% 4.0% 4.5% 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0% 9.5% 10.0% *Defaults to 2.5%, if no selection is made. 5) Select your frequency: Monthly (Not available for the Insight Program) Semi-Annually (June and December) Quarterly (March, June, September and December) Annually (month): *Defaults to Quarterly, if no selection is made. (Months available for the Insight Program: March, June, September and December) 6) Client Authorization: I (We) hereby authorize CI Investments Inc. to automatically rebalance my (our) CI account based on the variance and frequency stated above by switching investments to return to my (our) target fund allocation if one or more fund holding(s) vary by more than the selected variance, I (We) understand there may be tax implications for these transactions for non-registered accounts. Provided a target fund has a fund balance greater than zero, the CI Automatic Rebalancing Program will continue unless CI receives instructions to discontinue. If 100% of one or more target funds within your target allocation are redeemed or switched/transferred from the target fund mix, your target fund allocation will be updated and proportionately allocated to the remaining active funds in your target fund allocation. Unitholder Signature Joint Unitholder Signature (if applicable) Date Financial Advisor Information: Dealer/Rep Code Financial Advisor Name CI Investments and the CI Investments design are trademarks of CI Investments Inc. AUTO REB-03/06 PART 1 - CI COPY PART 2 - DEALER COPY PART 3 - CLIENT COPY PART 4 - ADVISOR COPY 19

22 Fund Information Annual Servicing Commission Fund * For Income Class, the LWA Base fees and additional insurance fees are charged as a % of the LWA Base. Please refer to Section I-7.6 and Section 10 of the Information Folder and Contract for more information concerning insurance fees, management fees and LWA Base fees. 20 Sun Life Financial Advisor Administration Guide Initial Sales Charge Units Deferred Sales Charge Units SunWise Essential CI Money Market Segregated Fund 0% to 0.25% 0.00% All Income Funds (excluding SunWise Essential CI Signature High Income Segregated Fund and SunWise Essential CI Signature Diversified Yield Segregated Fund) All other Funds (including SunWise Essential CI Signature High Income Segregated Fund and SunWise Essential CI Signature Diversified Yield Segregated Fund) Estimated MERs and Estate Class and Income Class Fees Fund Assumes 10% Blended HST Rate Investment Class Estimated MER (%) Estate Class Estimated MER (%) Income Class Estimated MER ( %) 0.50% 0.25% 1% 0.50% Estate Class Contract level fee (% of Class Death Benefit Base) Income Class Fee (%) (Includes LWA Base Fee and Additional Insurance Fee)* SunWise Essential CI Cambridge Global Equity Segregated Fund SunWise Essential CI Global Segregated Fund SunWise Essential CI Global Value Segregated Fund SunWise Essential CI Harbour Foreign Equity Segregated Fund SunWise Essential CI International Value Segregated Fund SunWise Essential CI Synergy Global Segregated Fund SunWise Essential Dynamic Global Value Segregated Fund SunWise Essential Fidelity NorthStar Segregated Fund SunWise Essential RBC O Shaughnessy International Equity Segregated Fund SunWise Essential CI Harbour Foreign Growth & Income Segregated Fund SunWise Essential CI International Balanced Segregated Fund SunWise Essential CI Signature Global Income & Growth Segregated Fund SunWise Essential Fidelity Global Asset Allocation Segregated Fund SunWise Essential CI American Value Segregated Fund SunWise Essential CI Synergy American Segregated Fund SunWise Essential Fidelity American Disciplined Equity Segregated Fund SunWise Essential CI Cambridge Canadian Equity Segregated Fund SunWise Essential CI Canadian Investment Segregated Fund

23 Fund Assumes 10% Blended HST Rate Investment Class Estimated MER (%) Estate Class Estimated MER (%) Income Class Estimated MER ( %) Estate Class Contract level fee (% of Class Death Benefit Base) Income Class Fee (%) (Includes LWA Base Fee and Additional Insurance Fee)* SunWise Essential CI Harbour Segregated Fund SunWise Essential CI Signature Dividend Segregated Fund SunWise Essential CI Signature Select Canadian Segregated Fund SunWise Essential CI Synergy Canadian Segregated Fund SunWise Essential Dynamic Canadian Value Segregated Fund SunWise Essential Fidelity True North Segregated Fund SunWise Essential RBC Canadian Dividend Segregated Fund SunWise Essential CI Cambridge Canadian Asset Allocation Segregated Fund SunWise Essential CI Harbour Growth & Income Segregated Fund SunWise Essential CI Signature Canadian Balanced Segregated Fund SunWise Essential CI Signature Income & Growth Segregated Fund SunWise Essential Fidelity Canadian Asset Allocation Segregated Fund SunWise Essential Portfolio Series Income Segregated Fund SunWise Essential Portfolio Series Conservative Segregated Fund SunWise Essential Portfolio Series Conservative Balanced Segregated Fund SunWise Essential Portfolio Series Balanced Segregated Fund SunWise Essential Portfolio Series Balanced Growth Segregated Fund SunWise Essential Portfolio Series Growth Segregated Fund SunWise Essential Portfolio Series Maximum Growth Segregated Fund SunWise Essential CI American Value Segregated Bundle SunWise Essential CI Cambridge Canadian Equity Segregated Bundle SunWise Essential CI Cambridge Global Equity Segregated Bundle SunWise Essential CI Cambridge Segregated Diversified Bundle SunWise Essential CI Canadian Investment Segregated Bundle SunWise Essential CI Global Segregated Bundle SunWise Essential CI Global Value Segregated Bundle SunWise Essential CI Harbour Segregated Bundle SunWise Essential CI Harbour Segregated Diversified Bundle SunWise Essential CI International Value Segregated Bundle SunWise Essential CI Signature Select Canadian Segregated Bundle SunWise Essential CI Signature Dividend Segregated Bundle * For Income Class, the LWA Base fees and additional insurance fees are charged as a % of the LWA Base. Please refer to Section I-7.6 and Section 10 of the Information Folder and Contract for more information concerning insurance fees, management fees and LWA Base fees. 21

24 Fund Assumes 10% Blended HST Rate Investment Class Estimated MER (%) Estate Class Estimated MER (%) Income Class Estimated MER ( %) Estate Class Contract level fee (% of Class Death Benefit Base) Income Class Fee (%) (Includes LWA Base Fee and Additional Insurance Fee)* SunWise Essential CI Synergy American Segregated Bundle SunWise Essential CI Synergy Canadian Segregated Bundle SunWise Essential CI Synergy Global Segregated Bundle SunWise Essential Dynamic Canadian Value Segregated Bundle SunWise Essential Dynamic Global Value Segregated Bundle SunWise Essential Fidelity American Disciplined Equity Segregated Bundle SunWise Essential Fidelity Disciplined Segregated Bundle SunWise Essential Fidelity NorthStar Segregated Bundle SunWise Essential Fidelity True North Segregated Bundle SunWise Essential RBC Canadian Dividend Segregated Bundle SunWise Essential RBC O Shaughnessy International Equity Segregated Bundle SunWise Essential Franklin Templeton Quotential Diversified Income Segregated Fund SunWise Essential Franklin Templeton Quotential Balanced Income Segregated Fund SunWise Essential Franklin Templeton Quotential Balanced Growth Segregated Fund SunWise Essential Franklin Templeton Quotential Global Balanced Segregated Fund SunWise Essential Franklin Templeton Quotential Growth Segregated Fund SunWise Essential Franklin Templeton Quotential Canadian Growth Segregated Fund SunWise Essential Franklin Templeton Quotential Global Growth Segregated Fund SunWise Essential Franklin Templeton Quotential Maximum Growth Segregated Fund SunWise Essential CI Signature Canadian Bond Segregated Fund SunWise Essential CI Signature Corporate Bond Segregated Fund SunWise Essential CI Signature Diversified Yield Segregated Fund SunWise Essential CI Signature High Income Segregated Fund SunWise Essential TD Canadian Bond Segregated Fund SunWise Essential CI Money Market Segregated Fund * For Income Class, the LWA Base fees and additional insurance fees are charged as a % of the LWA Base. Please refer to Section I-7.6 and Section 10 of the Information Folder and Contract for more information concerning insurance fees, management fees and LWA Base fees. 22 Sun Life Financial Advisor Administration Guide

25 Road map for SunWise Essential Series How do I set up a new SunWise Essential Series contract? This document provides processing information for SunWise Essential Series Investment Class, Estate Class and Income Class (GLWB). Multiple classes of units cannot be commingled within one account. Minimum to establish contract Age restrictions for deposits (as of December 31 of year of deposit) SunWise Essential Series Investment Class and Estate Class $500 minimum initial investment; or $50 monthly PAC. $100 per fund minimum additional deposit.; $50 additional PAC premium Class options Investment Class (75/75) Estate Class (75/100) y Up to age 90 of Annuitant of non-registered contract (or age 90 of the youngest Joint Annuitants if applicable) y Up to the maximum age of the Annuitant of the RSP or LIRA contract permitted by applicable legislation (currently December 31 of the year in which the Annuitant attains age 71) y Up to age 90 of Annuitant of RRIF, LIF* or LRIF* contract. (*unless applicable pension legislation dictates otherwise). y For Tax-Free Savings Account (TFSA), the client must be 18 years of age when setting up the account, however, the age of majority of 19 applies in certain provinces and territories. Maximum age for the annuitant is 90. SunWise Essential Series Income Class (GLWB) $25,000 minimum initial investment; $50 monthly PAC once the minimum initial investment has been met. $100 per fund minimum additional deposit. Note: To establish the Income Class (GLWB) within a TFSA, the client must meet the $25,000 GLWB minimum, based upon the combined value of the TFSA GLWB and another GLWB contract owned by the client. One-Life Income Stream y Up to age 80 of Annuitant of non-registered contract y Up to the maximum age of the Annuitant of the RSP or LIRA contract permitted by applicable legislation (currently December 31 of the year in which the Annuitant attains age 71) y Up to age 80 of Annuitant of RRIF, LIF* or LRIF * contract (*unless applicable pension legislation dictates otherwise). y For Tax-Free Savings Account (TFSA), the client must be 18 years of age when setting up the account, however the age of majority of 19 applies in certain provinces and territories. Maximum age for the annuitant is 80. Two-Life Income Stream y Up to age 80 of the youngest of the joint annuitants for non-registered contracts y Up to the maximum age of the Annuitant of the RSP or LIRA contract permitted by applicable legislation (currently December 31 of the year in which the Annuitant attains age 71) y Up to age 80 of the youngest of the Annuitant or Second Life for RRIF, LIF* or LRIF * contract (*unless applicable pension legislation dictates otherwise). y For Tax-Free Savings Account (TFSA), the client must be 18 years of age when setting up the account; however the age of majority of 19 applies in certain provinces and territories. Maximum age for the youngest of the Annuitant or Second Life is 80. Income Class (75/100) 23

26 Resets for Death Benefit Guarantees ** Guaranteed Lifetime Withdrawal Benefit (GLWB) GWB Lifetime Option (LWA) SunWise Essential Series Investment Class and Estate Class Estate Class: every third Contract Anniversary Date until the annuitant reaches the age of 80 and then for the last time on the Contract Anniversary Date in the year they turn age 80. Investment Class: No resets available NOTE: Contract Maturity Benefit resets are not available Not applicable. Not applicable. SunWise Essential Series Income Class (GLWB) Income Class (GLWB): every third Contract Anniversary Date until the annuitant reaches the age of 80 and then for the last time on the Contract Anniversary Date in the year they turn age 80. NOTE: Contract Maturity Benefit resets are not available To establish a SunWise Essential Series Income Class (GLWB) contract, when completing the electronic Investment Fund Application, you must indicate the product type as SunWise Essential Series Income Class (GLWB). Selecting this product type will ensure only the SunWise Essential Series Income Class (GLWB) fund codes are offered in the investment direction section of the electronic Investment Fund Application. To elect an LWA Payment Option for new Income Class accounts, you must indicate your selection in the LWA Income Streams for the Income Class section of the SunWise Essential Series Individual Variable Annuity Contract Electronic Signature Form. One-Life Income Stream: LWA will be based upon the age of the designated Annuitant or one of the Joint Annuitants for a Joint Annuitant contract. Lifetime income payout percentage structured with a tiered income withdrawal/payment schedule based on the age of the Annuitant at the time of the first withdrawal 5% ages 65-69; 5.25% ages 70-74; 5.5% ages 75-79; 6.0% age 80+. Two-Life Income Stream: LWA will be based upon the age of the younger of the designated Annuitant and Second Life. The Second Life must be the spouse or common-law partner of the Annuitant. Lifetime income payout percentage structured with a tiered income withdrawal/payment schedule based on the age of the Annuitant at the time of the first withdrawal 4.5% ages 65-69; 4.75% ages 70-74; 5% ages 75-79; 5.5% age 80+. Reminder! On SunWise Essential Series Income Class (GLWB) Joint Annuitant contracts for One-Life Income Stream, you must designate the Annuitant to be used as the measuring life for the GLWB. **Note: The SunWise Essential Series Income Class (GLWB) provides automatic resets every third contract anniversary date for the GLWB benefit. 24 Sun Life Financial Advisor Administration Guide

27 LWA Protection Service (Effective on or about January 1, 2011) SunWise Essential Series Investment Class and Estate Class Not applicable. SunWise Essential Series Income Class (GLWB) The LWA Protection Service will be placed on the Income Class to ensure the client does not withdraw amounts in excess of their Lifetime Withdrawal Amount (LWA), unless otherwise elected. This service can be changed, removed or added by you or the client Complete the electronic Investment Fund Application as follows: y You must indicate the product type as SunWise Essential Series Investment Class, SunWise Essential Series Estate Class or SunWise Essential Series Income Class (GLWB). Selecting the appropriate product type will ensure only those specific fund codes are offered in the investment direction section of the electronic application. y For SunWise Essential Series Open, RSP, RIF, LIF, LRIF, or LIRA, complete the SunWise Essential Series Individual Variable Annuity Contract Electronic Signature Form (August 2010) or y For SunWise Essential Series TFSA, complete the SunWise Essential Series Individual Variable Annuity Contract Tax-Free Savings Account (TFSA) Signature Form (August 2010). y They are available at This signature form includes the following information: y Confidentiality of client information y Transaction authorization y Identity verification - for non-registered products only y For a client cheque, select client cheque as the source. Mandatory! On non-registered accounts, if the payor on the cheque is different than the client, complete the third party determination section of the electronic Investment Fund Application. Note: For TFSA accounts, the payor of the cheque must be the client or the client s spouse. Cheques from a third party payor (other than the client s spouse) will not be accepted. y Tip! Please ensure the cheque is made payable to Sun Life Financial. Bank deposits may be made via Financial Centre bank deposit or advisor remote bank deposit. For corporate, sole proprietorship, partnership, not-for-profit and noncorporate entity the following are mandatory: y E Certificate of incumbency y paper copies of all relevant corporate/entity documents y To establish a PAC, select pre-authorized chequing as the source. Mandatory! On non-registered contracts, if the PAC payor is different than the client, complete the third party determination section of the electronic Investment Fund Application. y y To apply for an RRSP loan from National Bank of Canada or B2B Trust, choose loan from an external company as the source (not applicable for TFSA). If the loan is approved, please ensure you indicate in special instructions if the funds will be coming from National Bank of Canada or B2B Trust. To transfer funds from an external company or from Sun Life Financial, see How do I set up a new account with an external transfer or a transfer from Sun Life Financial? on ABC. Note: If you have selected Yes to the question Does this account contain borrowed money? please note the following: y If the contract is held as collateral against the loan, you will need to obtain a release (or written consent) from the financial institution (lender) prior to initiating any financial transaction with the exception of purchases. Note: The leveraged disclosure language on the reverse of the Client information form (Know your client (KYC) (4109-E) or embedded in the Dealer of record change form (E240)) should be reviewed with your client, if the investment is being funded with loan proceeds. If one of these documents is not being used, form E227 - Leveraging disclosure must be reviewed and provided to your client. Important!: Early withdrawals prior to the LWA Eligibility Date (Jan 1st of the year the younger of the Annuitant or Second Life turns age 65) as well as withdrawals in excess of the annual Lifetime Withdrawal Amount (LWA) may have a negative impact on future guaranteed payments under the Guaranteed Lifetime Withdrawal Benefit (GLWB). Any withdrawal from the GLWB will remove the client s entitlement for a 5% Bonus at the end of that calendar year. It is recommended that advisors should check the LWA details on eciss prior to completing withdrawals to avoid excess withdrawals. Point of sale documents y SunWise Essential Series Segregated Funds Information Folder and Individual Variable Annuity Contract. y SunWise Essential Series Segregated Fund Facts Note: For TFSA accounts, the PAC banking information must be owned or jointly owned by the client or the client s spouse. Third party payors (other than the client s spouse) for PAC are not allowed. 25

28 How do I submit a Reclassification Request for SunWise Essential Series Contracts? y Complete and have the client sign the SunWise Essential Series Fund Transfers and Reclassifications Order Ticket available at orderform. Client signature is mandatory regardless of whether Transaction Authorization (TA) is on file or not. y This form cannot be used to reclassify multiple SunWise Essential Series contracts. Forms instructing to reclassify multiple contracts will be returned to you unprocessed. Only use one form per contract. y Send completed forms either by Fax or to the Document Centre, 300B25. How do I complete the form? Ensure the following sections are completed: Important Note: Only complete the sections indicated below. Section Contract Number Owner Information Reclassification Income Class Details Completion of this section is mandatory when reclassifying to Income Class Beneficiary Change Request LWA Protection Service (Effective on or about January 1, 2011) Owner Authorization Representative Authorization Requirements 26 Sun Life Financial Advisor Administration Guide y Contract Number y Distributor Account Number ensure this is completed with 3379 y Owner s Name y Joint Owner s Name (if applicable) y Identify full or partial reclassification y Only choose one Reclassifying From option and one Reclassifying To option. y Ensure fund direction is included in the chart provided. Indicate the fund code and amount, percentage or units for both the Reclassifying From and the Reclassifying To columns. An LWA Income Stream must be selected at the time of the first purchase into Income Class units and may not be changed. Ensure you select either: y One-Life Income Stream or y Two-Life Income Stream Please provide the information below for Non-Registered Joint Annuitant Contracts electing the One-Life Income Stream or for Registered Contracts (including TFSA) electing the Two-Life Income Stream. y Gender y Name y Date of Birth y Social Insurance Number y Country of Residency Note: If a Second Life has been provided, the Second Life must also sign the reclassification form. y Indicate the beneficiary name(s) and relationship(s) to the Annuitant. y For Registered plans with the Two-Life Income Stream option, the Annuitant s spouse must be the sole primary beneficiary for the guaranteed income benefit to continue uninterrupted after the Annuitant s death. CI will add the LWA Protection Service to ensure that withdrawals from the client s Income Class units do not exceed the LWA. y Complete this section if you want to remove the LWA Protection Service. Applicable signatures are mandatory in this section Note: If the Two-Life Income Steam has been selected, the Second Life s signature is required. Completion of this section is mandatory. How do I complete a redemption for an existing SunWise Essential Series Income Class (GLWB) contract? If TA is on file, complete the redemption using the electronic Investment Fund Application. Important: Early withdrawals prior to the LWA Eligibility Date (January 1st of the year the Annuitant or Second Life turns age 65) as well as withdrawals in excess of the annual Lifetime Withdrawal Amount (LWA) may have a negative impact on future guaranteed payments under the Guaranteed Lifetime Withdrawal Benefit (GLWB). Any withdrawal from the GLWB will remove the client s entitlement for a 5% Bonus at the end of that calendar year. It is recommended that advisors should check the LWA details on eciss prior to completing withdrawals to avoid excess withdrawals. Note: If the contract is held as collateral against the loan, you will need to obtain a release (or written consent) from the financial institution (lender) prior to initiating any financial transaction with the exception of purchases. Note: Cheques, electronic funds transfer (EFT) and automatic withdrawal (AWD) payments can only be made payable to the client. Alternate payee instructions will not be accepted.

29 How do I request a switch from DSC units to FEL units for a SunWise Essential Series contract? Important change for DSC to FEL switches: For SunWise Essential Series the function to complete DSC to FEL switches has been removed from the electronic Investment Fund Application. SunWise Essential Series will require a sell and buy transaction to move a DSC fund to an FEL fund. Switching units from DSC to FEL will cause the guarantee benefits of each guaranteed class to be proportionately reduced as per a redemption and subsequent buy. Any movement of the Income Class units from DSC to FEL will: y reduce the annual LWA payment entitlement y will cause the client to lose their 5% Bonus y may reduce the LWA deferral y may cause an excess withdrawal or early withdrawal Important Note: A client signature is mandatory when completing the SunWise Essential Series DSC to ISC Change Request Form available at Regardless of TA being on file, client signature is still required. An Order ticket (4106-E) cannot be used for this type of transaction. If an Order ticket is received it will be returned to you unprocessed. Note: Signature Guarantee is not required for Sun Life Financial Advisors. Note: Also the DSC Free Disclosure (E317) must be reviewed with the client in addition to completing the form. How do I request a mature DSC unit switch to FEL units? 1. Confirm mature DSC units are available by viewing eciss see Important tip! below. 2. Complete the SunWise Essential Series DSC to ISC Change Request Form with the client and have the client sign it acknowledging that this transaction may have negative impacts to Maturity Benefits, Death Benefits and the LWA entitlement for that year. 3. In the section DSC to ISC Change Details, please ensure you check one of the following: y Change all Mature Units to the same ISC Fund y If this option is chosen, the chart for fund direction does not need to be completed. y Change all Mature Units to different fund(s) y If this option is chosen then the chart for fund direction must be completed, ensure the source and target fund codes are indicated. 4. Review the DSC free disclosure (E317) with your client. 5. Signature Guarantee is not required for Sun Life Financial Advisors. 6. Faxed copies will be accepted. Original should be kept in your client s file. How do I request a DSC free unit switch to FEL units? 1. Confirm DSC free units on eciss see Important tip! below 2. Complete the SunWise Essential Series DSC to ISC Change Request Form with the client and have the client sign it acknowledging that such a switch may have negative impacts to Maturity Benefits, Death Benefits and the LWA entitlement for that year. 3. In the Section DSC to ISC Change Details, please ensure you check one of the following: y Change all 10% Free Units to the same ISC Fund y If this option is chosen, the chart for fund direction does not need to be completed. y Change all 10% Free Units to different fund(s) y If this option is chosen, the chart for fund direction must be completed, ensure the source and target fund codes are indicated. 4. Review the DSC free disclosure (E317) with your client. 5. Signature Guarantee is not required for Sun Life Financial Advisors 6. Faxed copies will be accepted. Original should be kept in your client s file. How do I request a switch from DSC to FEL 0% funds where DSC fees apply? 1. Complete the SunWise Essential Series DSC to ISC, Change Request Form with the client and have the client sign it acknowledging that such a switch may have negative impacts to Maturity Benefits, Death Benefits and the LWA entitlement for that year. 2. Complete the chart in the DSC to ISC Change Details section, please ensure you include the source and target fund codes. 3. Review the DSC free disclosure (E317) with your client. 4. Signature Guarantee is not required for Sun Life Financial Advisors 5. Faxed copies will be accepted. Original must be kept in your client s file. Important tip! - Confirming DSC free units on eciss y Log onto CI s website, eciss y Search for your client and select the CI account to access the Portfolio Screen y DSC free amounts are displayed for each fund If you need help confirming DSC free amounts please contact CI Investments at or How do I establish, change or cancel Automatic Rebalancing option for a SunWise Essential Series contract? y Complete and have the client sign the Automatic Rebalancing Service Form available at Client signature is mandatory regardless of whether Transaction Authorization (TA) is on file or not. y This form cannot be used to establish rebalancing options for multiple SunWise Essential Series contracts. Forms instructing to rebalance multiple classes or multiple contracts will be returned to you unprocessed. Use only one form per contract. y Automatic Rebalancing cannot be done across Fund Classes. y Rebalancing is not permitted between load types; example: FEL (ISC) to DSC or DSC to FEL (ISC). y Send the completed forms by fax to or to the Document Centre, 300B25. Important: The SunWise Essential Series Automatic Rebalancing Service Request Form available at will not be accepted. This form is not intended for the Career Sales Force channel. 27

30 Road map for SunWise Essential Series investing in Private Managed Assets This document provides processing information for SunWise Essential Series investing in Private Managed Assets. Sale of the SunWise Essential Series investing in Private Managed Assets (PMA) is available to Direct Access (DA) advisors only or through a shared arrangement with a Direct Access advisor. SunWise Essential Series investing in the Private Managed Assets is designed to provide access to world-class money management expertise in a program that accommodates the specific needs of the high net worth investor. The account minimum is $500,000 CAD with an initial minimum of $100,000 CAD per fund. US dollar accounts are not an option with this program. y Withdrawals in excess of the annual LWA may have a negative impact on future guaranteed payments under the Guaranteed Lifetime Withdrawal Benefit (GLWB). Important: Early withdrawals prior to the LWA Eligibility Date (Jan 1st of the year the Annuitant or Second Life turns age 65) as well as withdrawals in excess of the annual Lifetime Withdrawal Amount (LWA) may have a negative impact on future guaranteed payments under the Guaranteed Lifetime Withdrawal Benefit (GLWB). Any withdrawal from the GLWB will remove the client s entitlement for a 5% Bonus at the end of that calendar year. It is recommended that advisors should check the LWA details on eciss prior to completing withdrawals to avoid excess withdrawals. Note: A Tax-Free Savings Account (TFSA) is currently not available for this product in Private Managed Assets. Product SunWise Essential Series Investment Class and Estate Class investing in Private Managed Assets (referred to as SunWise Essential Series PMA) Electronic or paper Paper Paper Advisor access Direct Access (DA) only Direct Access (DA) only Minimum to establish contract Minimum additional deposit Minimum systematic deposits (PAC) Age restrictions for deposits (as of December 31 of year of deposit) SunWise Essential Series Income Class investing in Private Managed Assets (referred to as SunWise Essential Series PMA (GLWB)) $500, ($100, per fund) $500, ($100, per fund) $5, $5, $5, $ y Up to age 90 of Annuitant of non-registered contract (or age 90 of the youngest Joint Annuitants if applicable) y Up to the maximum age of the Annuitant of the RSP or LIRA contract permitted by applicable legislation (currently December 31 of the year in which the Annuitant attains age 71) y Up to age 90 of Annuitant of RRIF, LIF* or LRIF* contract (*unless applicable pension legislation dictates otherwise). One-Life Income Stream y Up to age 80 of Annuitant of non-registered contract y Up to the maximum age of the Annuitant of the RSP or LIRA contract permitted by applicable legislation (currently December 31 of the year in which the Annuitant attains age 71) y Up to age 80 of Annuitant of RRIF, LIF* or LRIF * contract (*unless applicable pension legislation dictates otherwise). For Tax-Free Savings Account (TFSA), the client must be 18 years of age when setting up the account, however, the age of majority of 19 applies in certain provinces and territories. Maximum age for the annuitant is 90. For Tax-Free Savings Account (TFSA), the client must be 18 years of age when setting up the account, however, the age of majority of 19 applies in certain provinces and territories. Maximum age for the Annuitant is Sun Life Financial Advisor Administration Guide

31 Age restrictions for deposits (as of December 31 of year of deposit) (cont d) Class options Investment Class (75/75) Estate Class (75/100) Income Class (75/100) Available load options Front End Load (FEL) Front End Load (FEL) PMA Servicing Commission Fee Resets for Death Benefit Guarantees * Guaranteed Lifetime Withdrawal Benefit (GLWB) GWB payment option y GWB Lifetime Option (LWA) y GWB Withdrawal Period Option (GWA) Minimum: 0.5% (.50bps) Maximum: 1% Estate Class: every third Contract Anniversary Date until the Annuitant reaches the age of 80 and then for the last time on the Contract Anniversary Date in the year they turn age 80. Investment Class: No resets available NOTE: Contract Maturity Benefit resets are not available Not applicable Not applicable Two-Life Income Stream y Up to age 80 of the youngest of the Joint Annuitants for non-registered contracts. y Up to the maximum age of the Annuitant of the RSP or LIRA contract permitted by applicable legislation (currently December 31 of the year in which the Annuitant attains age 71). y Up to age 80 of the youngest of the Annuitant or Second Life for RRIF, LIF* or LRIF* contract (*unless applicable pension legislation dictates otherwise). y For Tax-Free Savings Account (TFSA), the client must be 18 years of age when setting up the account, however the age of majority applies in certain provinces and territories. Maximum age for the youngest of the Annuitant or Second Life is 80. Minimum: 0.5% (.50bps) Maximum: 1% Income Class (GLWB): every third Contract Anniversary Date until the Annuitant reaches the age of 80 and then for the last time on the Contract Anniversary Date in the year they turn age 80. NOTE: Contract Maturity Benefit resets are not available Guaranteed Lifetime Withdrawal Benefit (GLWB) is available by establishing a SunWise Essential Income Class (GLWB) contract. To elect an LWA Payment Option for new Income Class accounts, you must indicate your selection in the LWA Income Streams for the Income Class section of the SunWise Essential Series Individual Variable Annuity Contract Application Form. One-Life Income Stream: LWA will be based upon the age of the designated Annuitant or one of the Joint Annuitants for a Joint Annuitant contract. Lifetime Income payout percentage structured with a tiered income withdrawal/payment schedule based on the age of the Annuitant at the time of the first withdrawal 5% ages 65-69; 5.25% ages 70-74; 5.5% ages 75-79; 6.0% age

32 GWB payment option (Cont d) y GWB Lifetime Option (LWA) y GWB Withdrawal Period Option (GWA) LWA Protection Service (Effective on or about January 1, 2011) Not applicable Not applicable Two-Life Income Stream: LWA will be based upon the age of the younger of the designated Annuitant and Second Life. Only the spouse of the Annuitant can be named as the Second Life. Lifetime Income payout percentage structured with a tiered income withdrawal/payment schedule based on the age of the Annuitant at the time of the first withdrawal 4.5% ages 65-69; 4.75% ages 70-74; 5% ages 75-79; 5.5% age 80+ Reminder! On SunWise Essential Series Income Class (GLWB) Joint Annuitant Contracts for One-Life Income Stream, you must designate the Annuitant to be used as the measuring life for the GLWB. The LWA Protection Service will be placed on the Income Class to ensure the client does not withdraw amounts in excess of their Lifetime Withdrawal Amount (LWA), unless otherwise elected. This service can be changed, removed or added by you or the client. * Note: The SunWise Essential Series Income Class (GLWB) provides automatic resets every 3rd anniversary for the GLWB benefit. y y y y y What do I need to know? What forms do I need to complete? How do I add GMWB to an existing SunWise Essential Series contract? How do I complete subsequent transactions? What do I have to leave with the client? What do I need to know? Action Form/process Additional information How do I create a new SunWise Essential Series PMA contract? 30 Sun Life Financial Advisor Administration Guide Complete the following forms: y SunWise Essential Series Private Managed Assets Program Enrolment Form. y SunWise Essential Series Individual Variable Annuity Contract Application Form. y Client information form (Know your client (KYC)) (4109-E) y Transaction Authorization - Segregated funds (4209-E) y For non-registered individual, including sole proprietor contracts if answering yes to the third party question or the politically exposed foreign persons (PEFP) question complete E4105 Identity verification, third party determination and politically exposed foreign persons (PEFP) form y For corporate, sole proprietorship, partnership, notfor-profit and non-corporate entity the following are mandatory: y E Certificate of incumbency y E4105 Identity verification, third party determination and politically exposed foreign persons (PEFP) form y paper copies of all applicable Corporate/entity documents y To establish a PAC, complete the PAC section of the application and attach a void cheque Contact CI Investments for a CI Private Managed Assets Program package: y y contact your CI wholesaler

33 Action Form/process Additional information How do I create a new SunWise Essential Series PMA contract? (cont d) Mandatory! On non-registered contracts, if the PAC payor is different than the client, complete the third party determination section on the E4105. y Make the cheque payable to Sun Life Financial and attach to the application form y To transfer from an external company or Sun Life Financial, send the original transfer form to the relinquishing institution or department and attach a copy of the transfer form (marked copy ) to the SunWise Essential Series Private Managed Assets Program Enrolment Form/Application form. y To transfer in cash from a third party mutual fund account held with Sun Life Financial, review How do I request an In Cash Transfer? on ABC to determine if your client is eligible for this type of transaction which is manually processed at Head Office. Instead of sending the original transfer form to the relinquishing fund company, send the transfer form with the SunWise Essential Series Private Managed Assets Program Enrolment Form/Application form directly to Head Office. y Send the completed forms to the Document Centre, 300B25, attention TPF Department y Hint: Ensure the PMA servicing commission fee section of the application is completed. The fee is negotiable within a range of.50 (50 bps) to 1 percent. Note: The leveraged disclosure language on the reverse of the Client information form (Know your client (KYC)) (4109-E) should be reviewed with your client, if the investment is being funded with loan proceeds. If this document is not being used, form E227 - Leveraging disclosure must be reviewed and provided to your client. Note: If you have selected Yes to the question Does this account contain borrowed money? please ensure to complete all loan information, details as follows: y Financial institution y Loan amount y Interest rate y Term of loan (years) y Other details Note: If the contract is held as collateral against the loan, you will need to obtain a release (or written consent) from the financial institution (lender) prior to initiating any financial transaction with the exception of purchases. Can I use the electronic Investment Fund Application? (i.e. e-app) No. The process is paper based. Send the completed forms to the Document Centre, 300B25, attention TPF Department 31

34 What forms do I need to complete? Action Form/process Additional information How do I update Know your client information? Use the Client information form (Know your client (KYC)) (4109-E) for new accounts or for changes to the client s existing KYC information. Send the completed forms to the Document Centre, 300B25, attention TPF Department Transaction authorization Note: If you have selected Yes to the question Does this account contain borrowed money? please ensure to complete all loan information, details as follows: y Financial institution y Loan amount y Interest rate y Term of loan (years) y Other details Use the Transaction Authorization - Segregated funds form (4209-E) Send the completed forms to the Document Centre, 300B25, attention TPF Department How do I complete subsequent transactions? Action Form/process Additional information Redemptions/Switches for existing funds in an account Use the Order ticket (4106-E) for redemptions and switches from DSC to DSC, FEL(ISC) to FEL and FEL to DSC y This form is available on Online ordering. Use the SunWise Essential Series DSC to ISC Change Request Form for switches from DSC to FEL. y This form is available at Important!: Early withdrawals prior to the LWA Eligibility Date (Jan 1st of the year the younger of the Annuitant or Second Life turns age 65) as well as withdrawals in excess of the annual Lifetime Withdrawal Amount (LWA) may have a negative impact on future guaranteed payments under the Guaranteed Lifetime Withdrawal Benefit (GLWB). Any withdrawal from the GLWB will remove the client s entitlement for a 5% Bonus at the end of that calendar year. It is recommended that advisors should check the LWA details on eciss prior to completing withdrawals to avoid excess withdrawals. Note: If the contract is held as collateral against the loan, you will need to obtain a release (or written consent) from the financial institution (lender) prior to initiating any financial transaction with the exception of purchases. Note: For redemptions: Cheques and electronic funds transfer (EFT) payments can only be made payable to the client. Alternate payee instructions will not be accepted. Send the completed forms to the Document Centre, 300B25, attention TPF Department 32 Sun Life Financial Advisor Administration Guide

35 Purchases Pre-Authorized Chequing (PAC)/ Automatic Withdrawal (AWD) Use the Order ticket (4106-E) y This form is available on Online ordering. Note: To comply with anti-money laundering, antiterrorist financing regulations and for risk management purposes, we are required to collect information on any third party involvement in a contract. Important: Deposit minimums summarized in table above. Note: The leveraged disclosure language on the reverse of the Client information form (Know your client (KYC)) (4109-E) should be reviewed with your client, if the investment is being funded with loan proceeds. If this document is not being used, form E227 - Leveraging disclosure must be reviewed and provided to your client. Note: If you have selected Yes to the question Does this account contain borrowed money? please ensure to complete all loan information, details as follows: y Financial institution y Loan amount y Interest rate y Term of loan (years) y Other details Use E252 - Pre-authorized chequing (PAC)/Automatic withdrawal (AWD)/Banking information form Note: AWD payments can only be made payable to the client by cheque or EFT to the client s own bank account. Alternate payee instructions will not be accepted. Mandatory! If the PAC payor is different than the client, complete the third party determination section on the E252. Send the completed forms to the Document Centre, 300B25, attention TPF Department Send the completed forms to the Document Centre, 300B25, attention TPF Department What do I have to leave with the client? Point of sale documents SunWise Essential Series Segregated Funds Information Folder and Individual Variable Annuity Contract See the CI Investments products point of sale documents road map Post-sale Trade confirmation to client: Trade confirmation to advisor: Contract information: Additional information: Within 5 business days CI Investments prepares a summary of all previous week s trades. y eciss y Quarterly performance reports from CI y Dealer Services Site y Contact your CI wholesaler y Visit y [email protected] 33

36 Enhancements and changes to SunWise Essential Series This document is a supplement to the SunWise Essential Series Advisor Administration Guide dated September This document includes the changes and enhancements that come into effect on or about January 19, AGE 55 LWA ELECTION How to make the Age 55 LWA Election Effective on or about January 19, 2012, the Age 55 LWA Election will be available to all new and existing SunWise Essential Series contractholders that wish to begin receiving Lifetime Withdrawal Amount (LWA) payments between the ages of 55 and 64. To make the Age 55 LWA Election, clients must complete Section 3 of the updated SunWise Essential Series Withdrawal Order Ticket. Please see below. Things to remember regarding the Age 55 LWA Election: If selected, the Age 55 LWA Election offers guaranteed payments for life of 4% of the LWA Base for One-Life Income Stream, or 3.5% of the LWA Base for Two-Life Income Stream. Deposits made before the year in which the Annuitant (or, if the Two-Life Income Stream applies, the younger of the Annuitant and his or her spouse or common-law partner) turns 65 years of age will be entitled to GLWB Resets, but will not be entitled to an increase in the LWA Rate if a GLWB Reset occurs at a time when a higher age tier would apply. The Age 55 LWA Election can only be removed prior to the first withdrawal under the Age 55 LWA Election. Signed instructions must be received from the client. If no withdrawals have been made before January 1 of the calendar year in which the Annuitant (or, if the Two-Life Income Stream has been selected, the younger of the Annuitant and the Second Life) turns 65 years of age, the election will not apply and the LWA Rate will be determined at the time of the first withdrawal.

37 CI PRIVATE INVESTMENT MANAGEMENT IN SUNWISE ESSENTIAL SERIES Effective on or about January 19, 2012, the CI Private Investment Management (PIM) program will be available to all new and existing SunWise Essential Series contractholders who meet the minimum deposit requirements. Since PIM will replace the Private Managed Assets (PMA) program, the SunWise Essential Series Private Managed Assets Program Enrolment Form, found in the guide is no longer valid. The procedure and forms required to purchase PIM units, how to choose a customized PIM investment advisory fee and how to link PIM accounts together are described below. How to purchase PIM in SunWise Essential Series Minimum investment of $100,000 per fund per account. Complete the SunWise Essential Series Application Form and include the appropriate PIM fund codes in the Investment Direction section of the Application. Please refer to the section, How to Complete a SunWise Essential Series Application Form in the guide. How to choose a customized PIM Investment Advisory Fee The PIM investment advisory fee can be customized up to a maximum of 1.25%. The default advisory fee is 1% for balanced and equity funds, 0.5% for income funds and 0% for money market. Complete the CI Private Investment Management Dealer Service Fee / Service Fee Agreement for Class O Mutual Fund Units & SunWise Essential Series PIM Units form. Client(s) and the advisor must sign and date the form. How to link accounts within PIM PIM investors may link together their accounts into one PIM Household Group for the benefit of reducing management fees and consolidated reporting. To qualify, at least one PIM account within the group must maintain a balance of $250,000 in assets and all accounts must have the same registration type (i.e. nominee, intermediary, or client name). Complete the CI Private Investment Management Account Linking Agreement. All members of the PIM Household Group and the advisor must sign and date the form. For a list of PIM fund codes and for further details on CI Private Investment Management program, please visit All administrative forms and materials can be viewed at in the resource centre, ordered online at through AdvisorOnline or by contacting the CI Client Services Segregated Funds Team at , option 2. CHANGES TO AVAILABLE FUNDS Effective on or about January 19, 2012, the funds below will be closed to new contributions, new pre-authorized chequing (PAC) plans and switches. Existing PAC plans or systematic transfer plans targeting these funds that were set up prior to the effective date can continue. The total annual amount of existing PAC plans or systematic transfer plans cannot be increased. The funds are: SunWise Essential RBC O Shaughnessy International Equity Segregated Bundle SunWise Essential RBC O Shaughnessy International Equity Segregated Fund SunWise Essential CI Global Value Segregated Bundle SunWise Essential CI Global Value Segregated Fund SunWise Essential CI International Value Segregated Bundle SunWise Essential CI International Value Segregated Fund SunWise Essential CI Synergy American Segregated Bundle SunWise Essential CI Synergy American Segregated Fund SunWise Essential CI International Balanced Fund

38 NEW FUND ESTIMATED MERS AND ESTATE CLASS AND INCOME CLASS FEES The funds listed below were launched on or about either January 19, 2012 or on April 13, They are to be added to the section, Estimated MERs and Estate Class and Income Class Fees of the guide. Fund Investment Class Estimated MER (%) Assumes 10% Blended HST Rate Estate Class Estimated MER (%) Income Class Estimated MER (%) Estate Class Contract level fee (% of Class Death Benefit Base) Income Class Fee (%) (Includes LWA Base Fee and Additional Insurance Fee)* SunWise Essential CI Black Creek Global Leaders Segregated Fund SunWise Essential CI Black Creek International Equity Segregated Fund SunWise Essential Sun Life MFS Global Growth Segregated Fund SunWise Essential Sun Life MFS Global Value Segregated Fund SunWise Essential Sun Life MFS International Growth Segregated Fund SunWise Essential Sun Life MFS International Value Segregated Fund SunWise Essential CI Black Creek Global Balanced Segregated Fund SunWise Essential Sun Life MFS Global Total Return Segregated Fund SunWise Essential CI Cambridge American Equity Segregated Fund SunWise Essential Sun Life MFS U.S. Growth Segregated Fund SunWise Essential Sun Life MFS U.S. Value Segregated Fund SunWise Essential CI Black Creek Global Leaders Segregated Bundle SunWise Essential CI Black Creek International Equity Segregated Bundle SunWise Essential CI Cambridge American Equity Segregated Bundle SunWise Essential CI Cambridge Canadian Equity Low Volatility Segregated Bundle SunWise Essential CI Harbour Low Volatility Segregated Bundle SunWise Essential CI Signature Select Canadian Low Volatility Segregated Bundle SunWise Essential Sun Life MFS Global Growth Segregated Bundle SunWise Essential Sun Life MFS Global Value Segregated Bundle SunWise Essential Sun Life MFS International Growth Segregated Bundle SunWise Essential Sun Life MFS International Value Segregated Bundle SunWise Essential Sun Life MFS U.S. Growth Segregated Bundle SunWise Essential Sun Life MFS U.S. Value Segregated Bundle SunWise Essential CI Select Income Advantage Managed Segregated Fund SunWise Essential Sun Life McLean Budden Canadian Bond Segregated Fund *For Income Class, the LWA Base fees and additional insurance fees are charged as a % of the LWA Base. Please refer to Section I-7.6 and Section 10 of the Information Folder and Contract for more information concerning insurance fees, management fees and LWA Base fees. managed by CI Investments Inc. issued by Sun Life Assurance Company of Canada _E (01/12)

39 Name Change effective September 10, 2012 SunWise Essential Series Segregated Fund List Income Class Investment Class Estate Class Global Balanced & Asset Allocation Fund SWESS Premier CI Signature Global Income & Growth Fund formerly SWESS CI International Balanced Fund ISC DSC ISC DSC ISC DSC managed by CI Investments Inc. issued by Sun Life Assurance Company of Canada Sun Life Assurance Company of Canada, a member of the Sun Life Financial group of companies, is the sole issuer of the individual variable annuity contract providing for investment in SunWise Essential Series segregated funds. A description of the key features of the applicable individual variable annuity contract is contained in the Information Folder. Any amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value. CI Investments, the CI Investments design and Signature Global Advisors are registered trademarks of CI Investments Inc. Signature Funds is a trademark of CI Investments Inc. SunWise is a registered trademark of Sun Life Assurance Company of Canada _E (11/12)

40 For more information about the innovative features and benefits of SunWise Essential Series, please visit Sun Life Assurance Company of Canada, a member of the Sun Life Financial group of companies, is the sole issuer of the individual variable annuity contract providing for investment in SunWise Essential Series segregated funds. A description of the key features of the applicable individual variable annuity contract is contained in the Information Folder. ANY AMOUNT THAT IS ALLOCATED TO A SEGREGATED FUND IS INVESTED AT THE RISK OF THE CONTRACT HOLDER AND MAY INCREASE OR DECREASE IN VALUE. CI Investments, the CI Investments design, Synergy Mutual Funds, Harbour Advisors, Harbour Funds, and Signature Global Advisors are registered trademarks of CI Investments Inc. Cambridge, Portfolio Series and Signature Funds are trademarks of CI Investments Inc. SunWise is a registered trademark of Sun Life Assurance Company of Canada. Fidelity Investments and the Fidelity design are registered trademarks of FMR Corp. RBC Asset Management is a registered trademark of Royal Bank of Canada. TD Asset Management is a trademark of The Toronto-Dominion Bank, used under licence. Franklin Templeton Investments, Franklin Templeton Investments Quotential Program and/or Franklin Templeton Investments and design are registered trademarks of Franklin Templeton Investment Corp. Dynamic Funds is a division of Goodman & Company, Investment Counsel Ltd. ( GCICL ). GCICL does not warrant or make any representations regarding the use or the results of the information contained herein in terms of its correctness, accuracy, timeliness, reliability, or otherwise. Sun Life Assurance Company of Canada 227 King Street South P.O. Box 1601 STN Waterloo Waterloo, Ontario N2J 4C5 2 Queen Street East, Twentieth Floor, Toronto, Ontario M5C 3G7 I Head Office / Toronto Calgary Montreal Vancouver Client Services English: French: E (09/10)