Sun Life Assurance Company of Canada

Transcription

1 Fund Fact Sheets - December 2014 managed by CI Investments Inc. issued by Sun Life Assurance Company of Canada

2 What if I change my mind? You can change your mind and cancel the decision to invest in the fund. This is true for the first purchase you make and any other purchases made after. You can only change your mind for a purchase within a few days. You have to let CI Investments know in writing (fax or letter) that you wish to cancel. CI must be informed within two business days of the date you received the purchase confirmation. The latest date that it will be considered received is five-business days after it was mailed to you. The amount that will be returned is the lesser of the amount you invested or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include any sales charges or other fees you paid. For details, please refer to Information Folder, Contract and supplement. For more information This is a summary and may not contain all the information you need. There are details in the contract that may lead to changes in this summary. Please make sure you read the Contract, Information Folder and supplement. For more information, please contact: CI Investments Inc. on behalf of Sun Life Assurance Company of Canada 15 York Street, 2nd Floor Toronto, Ontario M5J 0A3 Phone: [email protected] i-1

3 Table of Content SunWise Essential CI American Value Segregated Bundle...1 SunWise Essential CI American Value Segregated Fund...3 SunWise Essential CI Black Creek Global Balanced Segregated Fund...5 SunWise Essential CI Black Creek Global Leaders Segregated Bundle...7 SunWise Essential CI Black Creek Global Leaders Segregated Fund...9 SunWise Essential CI Black Creek International Equity Segregated Bundle...11 SunWise Essential CI Black Creek International Equity Segregated Fund...13 SunWise Essential CI Cambridge American Equity Segregated Bundle...15 SunWise Essential CI Cambridge American Equity Segregated Fund...17 SunWise Essential CI Cambridge Canadian Asset Allocation Segregated Fund...19 SunWise Essential CI Cambridge Canadian Equity Low Volatility Segregated Bundle...21 SunWise Essential CI Cambridge Canadian Equity Segregated Bundle...23 SunWise Essential CI Cambridge Canadian Equity Segregated Fund...25 SunWise Essential CI Cambridge Global Equity Segregated Bundle...27 SunWise Essential CI Cambridge Global Equity Segregated Fund...29 SunWise Essential CI Cambridge Segregated Diversified Bundle...31 SunWise Essential CI Canadian Investment Segregated Bundle...33 SunWise Essential CI Canadian Investment Segregated Fund...35 SunWise Essential CI Global Segregated Bundle...37 SunWise Essential CI Global Segregated Fund...39 SunWise Essential CI Global Value Segregated Bundle...41 SunWise Essential CI Global Value Segregated Fund...43 SunWise Essential CI Harbour Foreign Equity Segregated Fund...45 SunWise Essential CI Harbour Foreign Growth & Income Segregated Fund...47 SunWise Essential CI Harbour Growth & Income Segregated Fund...49 SunWise Essential CI Harbour Low Volatility Segregated Bundle...51 SunWise Essential CI Harbour Segregated Bundle...53 SunWise Essential CI Harbour Segregated Diversified Bundle...55 SunWise Essential CI Harbour Segregated Fund...57 SunWise Essential CI International Value Segregated Bundle...59

4 Table of Content (cont.) SunWise Essential CI International Value Segregated Fund...61 SunWise Essential CI Money Market Segregated Fund...63 SunWise Essential CI Select Income Managed Segregated Fund...65 SunWise Essential CI Signature Canadian Balanced Segregated Fund...67 SunWise Essential CI Signature Canadian Bond Segregated Fund...69 SunWise Essential CI Signature Corporate Bond Segregated Fund...71 SunWise Essential CI Signature Diversified Yield Segregated Fund...73 SunWise Essential CI Signature Dividend Segregated Bundle...75 SunWise Essential CI Signature Dividend Segregated Fund...77 SunWise Essential CI Signature Global Income & Growth Segregated Fund...79 SunWise Essential CI Signature High Income Segregated Fund...81 SunWise Essential CI Signature Income & Growth Segregated Fund...83 SunWise Essential CI Signature Select Canadian Low Volatility Segregated Bundle...85 SunWise Essential CI Signature Select Canadian Segregated Bundle...87 SunWise Essential CI Signature Select Canadian Segregated Fund...89 SunWise Essential CI Synergy American Segregated Bundle...91 SunWise Essential CI Synergy American Segregated Fund...93 SunWise Essential CI Synergy Canadian Segregated Bundle...95 SunWise Essential CI Synergy Canadian Segregated Fund...97 SunWise Essential CI Synergy Global Segregated Bundle...99 SunWise Essential CI Synergy Global Segregated Fund SunWise Essential Dynamic Canadian Value Segregated Bundle SunWise Essential Dynamic Canadian Value Segregated Fund SunWise Essential Dynamic Global Value Segregated Bundle SunWise Essential Dynamic Global Value Segregated Fund SunWise Essential Fidelity American Disciplined Equity Segregated Bundle SunWise Essential Fidelity American Disciplined Equity Segregated Fund SunWise Essential Fidelity Canadian Asset Allocation Segregated Fund SunWise Essential Fidelity Disciplined Segregated Bundle SunWise Essential Fidelity Global Asset Allocation Segregated Fund...119

5 Table of Content (cont.) SunWise Essential Fidelity NorthStar Segregated Bundle SunWise Essential Fidelity NorthStar Segregated Fund SunWise Essential Fidelity True North Segregated Bundle SunWise Essential Fidelity True North Segregated Fund SunWise Essential Franklin Templeton Bissett Canadian Equity Segregated Fund SunWise Essential Franklin Templeton Quotential Balanced Growth Segregated Fund SunWise Essential Franklin Templeton Quotential Balanced Income Segregated Fund SunWise Essential Franklin Templeton Quotential Diversified Equity Segregated Fund SunWise Essential Franklin Templeton Quotential Diversified Income Segregated Fund SunWise Essential Franklin Templeton Quotential Growth Segregated Fund SunWise Essential Franklin Templeton Quotential Maximum Growth Segregated Fund SunWise Essential Franklin Templeton Quotential Select Balanced Income Segregated Fund SunWise Essential Portfolio Select 100e Managed Segregated Fund SunWise Essential Portfolio Select 100i Managed Segregated Fund SunWise Essential Portfolio Select 20i80e Managed Segregated Fund SunWise Essential Portfolio Select 30i70e Managed Segregated Fund SunWise Essential Portfolio Select 40i60e Managed Segregated Fund SunWise Essential Portfolio Select 50i50e Managed Segregated Fund SunWise Essential Portfolio Select 60i40e Managed Segregated Fund SunWise Essential Portfolio Select 70i30e Managed Segregated Fund SunWise Essential Portfolio Select 80i20e Managed Segregated Fund SunWise Essential Portfolio Series Balanced Growth Segregated Fund SunWise Essential Portfolio Series Balanced Segregated Fund SunWise Essential Portfolio Series Conservative Balanced Segregated Fund SunWise Essential Portfolio Series Conservative Segregated Fund SunWise Essential Portfolio Series Growth Segregated Fund SunWise Essential Portfolio Series Income Segregated Fund SunWise Essential Portfolio Series Maximum Growth Segregated Fund SunWise Essential Premier CI Signature Global Income & Growth Segregated Fund SunWise Essential RBC Canadian Dividend Segregated Bundle...179

6 Table of Content (cont.) SunWise Essential RBC Canadian Dividend Segregated Fund SunWise Essential RBC O Shaughnessy International Equity Segregated Bundle SunWise Essential RBC O Shaughnessy International Equity Segregated Fund SunWise Essential Sun Life McLean Budden Canadian Bond Segregated Fund SunWise Essential Sun Life MFS Global Growth Segregated Bundle SunWise Essential Sun Life MFS Global Growth Segregated Fund SunWise Essential Sun Life MFS Global Total Return Segregated Fund SunWise Essential Sun Life MFS Global Value Segregated Bundle SunWise Essential Sun Life MFS Global Value Segregated Fund SunWise Essential Sun Life MFS International Growth Segregated Bundle SunWise Essential Sun Life MFS International Growth Segregated Fund SunWise Essential Sun Life MFS International Value Segregated Bundle SunWise Essential Sun Life MFS International Value Segregated Fund SunWise Essential Sun Life MFS U.S. Growth Segregated Bundle SunWise Essential Sun Life MFS U.S. Growth Segregated Fund SunWise Essential Sun Life MFS U.S. Value Segregated Bundle SunWise Essential Sun Life MFS U.S. Value Segregated Fund SunWise Essential TD Canadian Bond Segregated Fund...215

7 SunWise Essential CI American Value Segregated Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the CI American Value Corporate and Signature Corporate Bond Corporate. The Underlying Funds are combined to hold about 70% in shares and 30% in bonds. Top holdings and allocations as of December 31, 2014 CI American Value Corporate Cash and Equivalents Apple Inc Microsoft Corp BlackRock Inc Boeing Co CVS Health Corp Oracle Corp UnitedHealth Group Inc CME Group Inc Danaher Corp Signature Corporate Bond Corporate Cash and Equivalents 0.37 Total Total number of investments: 3 US Equity Foreign Bonds Domestic Bonds 9.98 Cash and Equivalents 5.92 International Equity 3.36 Canadian Equity 0.03 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 12.41% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value four years. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.94% $ ,290 Income 2.52% $ ,112 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $17,656,648 CI Investments Inc. Portfolio turnover rate: 22.54% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 1

8 SunWise Essential CI American Value Segregated Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.94% 0.38% N/A N/A Estate 2.94% 0.38% 0.55% of Death Benefit Base Income 2.52% N/A 0.93% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 2

9 SunWise Essential CI American Value Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the CI American Value Corporate. The Underlying Fund invests mostly in U.S. shares. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Cash and Equivalents 6.02 Apple Inc 4.20 Microsoft Corp 3.42 BlackRock Inc 2.81 Boeing Co 2.63 CVS Health Corp 2.45 Oracle Corp 2.43 UnitedHealth Group Inc 2.30 CME Group Inc 2.26 Danaher Corp 2.21 Total Total number of investments: 57 US Equity Cash and Equivalents 6.02 International Equity 4.50 September 2010 Total value on December 31, 2014: $1,361,609 Epoch Investment Partners, Inc. Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 15.27% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value four years. % Portfolio turnover rate: Net asset value per unit 22.08% Units outstanding Investment 3.28% $ ,008 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want a U.S. equity fund that focuses on value are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 3

10 SunWise Essential CI American Value Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.28% 0.68% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 4

11 SunWise Essential CI Black Creek Global Balanced Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Black Creek Global Balanced Corporate. The Underlying Fund invests mostly in shares and bonds of firms from around the world. Top holdings and allocations of the Underlying Fund as of December 31, 2014 CI Signature Corporate Bond Fund Cash and Equivalents 9.58 FTI Consulting Inc 3.64 Wienerberger AG 3.27 Accor SA 3.12 Oracle Corp 2.97 Heidelbergcement AG 2.94 ICICI Bank Ltd 2.92 ebay Inc 2.92 Christian Dior SA 2.91 Total Total number of investments: 32 International Equity US Equity Foreign Bonds Cash and Equivalents Domestic Bonds 8.98 Canadian Equity 2.67 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in January 2012 would have $1, in December This works out to an average of 13.75% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past two years. In the past two years, the Fund was up in value two years. % Net asset value per unit Units outstanding Investment / Estate 2.91% $ ,694 Income 2.56% $ ,456 What does the Fund invest in? January 2012 Total value on December 31, 2014: $5,580,026 Black Creek Investment Management Inc. and CI Investments Inc. Portfolio turnover rate: 11.20% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want a global long-term total return fund are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 5

12 SunWise Essential CI Black Creek Global Balanced Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.91% 0.33% N/A N/A Estate 2.91% 0.33% 0.45% of Death Benefit Base Income 2.56% N/A 0.78% of LWA Base 0.65% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 6

13 SunWise Essential CI Black Creek Global Leaders Segregated Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Black Creek Global Leaders Corporate and Signature Corporate Bond Corporate. The Underlying Funds are combined to hold about 70% in shares and 30% in bonds. Top holdings and allocations as of December 31, 2014 Black Creek Global Leaders Corporate Christian Dior SA Carnival Corp Accor SA Experian PLC biomerieux SA ebay Inc Wienerberger AG Oracle Corp FTI Consulting Inc Cash and Equivalents Signature Corporate Bond Corporate Cash and Equivalents 0.23 Total Total number of investments: 3 International Equity US Equity Foreign Bonds Domestic Bonds 9.70 Cash and Equivalents 4.81 Canadian Equity 0.03 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in January 2012 would have $1, in December This works out to an average of 14.31% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past two years. In the past two years, the Fund was up in value two years. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.97% $ ,968 Income 2.54% $ ,457 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term January 2012 Total value on December 31, 2014: $6,322,782 CI Investments Inc. Portfolio turnover rate: 14.21% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 7

14 SunWise Essential CI Black Creek Global Leaders Segregated Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.97% 0.38% N/A N/A Estate 2.97% 0.38% 0.55% of Death Benefit Base Income 2.54% N/A 0.93% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 8

15 SunWise Essential CI Black Creek Global Leaders Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the Black Creek Global Leaders Corporate. The Underlying Fund invests mostly in shares of firms from around the world. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Christian Dior SA 5.27 Carnival Corp 5.21 Accor SA 5.01 Experian PLC 4.98 biomerieux SA 4.97 ebay Inc 4.93 Wienerberger AG 4.69 Oracle Corp 4.44 FTI Consulting Inc 4.40 Cash and Equivalents 4.39 Total Total number of investments: 31 International Equity US Equity Cash and Equivalents 4.39 January 2012 Total value on December 31, 2014: $380,072 Black Creek Investment Management Inc. Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in January 2012 would have $1, in December This works out to an average of 16.24% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past two years. In the past two years, the Fund was up in value two years. % Portfolio turnover rate: Net asset value per unit 4.54% Units outstanding Investment 3.29% $ ,142 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want a global capital growth fund are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 9

16 SunWise Essential CI Black Creek Global Leaders Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.29% 0.68% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 10

17 SunWise Essential CI Black Creek International Equity Segregated Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Black Creek International Equity Corporate and Signature Corporate Bond Corporate. The Underlying Funds are combined to hold about 70% in shares and 30% in bonds. Top holdings and allocations as of December 31, 2014 Black Creek International Equity Corporate Wienerberger AG Galaxy Entertainment Group Ltd Christian Dior SA Carnival PLC Cap Gemini SA Heidelbergcement AG Gerresheimer AG Basilea Pharmaceutica AG Accor SA Galp Energia SGPS SA Signature Corporate Bond Corporate Cash and Equivalents 0.37 Total Total number of investments: 3 International Equity Foreign Bonds Domestic Bonds 9.64 Cash and Equivalents 3.58 US Equity 1.21 Canadian Equity 0.03 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in January 2012 would have $1, in December This works out to an average of 11.79% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past two years. In the past two years, the Fund was up in value one year and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.95% $ ,263 Income 2.54% $ ,226 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term January 2012 Total value on December 31, 2014: $1,932,191 CI Investments Inc. Portfolio turnover rate: 34.03% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 11

18 SunWise Essential CI Black Creek International Equity Segregated Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.95% 0.38% N/A N/A Estate 2.95% 0.38% 0.55% of Death Benefit Base Income 2.54% N/A 0.93% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 12

19 SunWise Essential CI Black Creek International Equity Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the Black Creek International Equity Corporate. The Underlying Fund invests mostly in shares of firms from around the world. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Wienerberger AG 5.17 Galaxy Entertainment Group Ltd 5.07 Christian Dior SA 4.42 Carnival PLC 4.35 Cap Gemini SA 4.33 Heidelbergcement AG 4.22 Gerresheimer AG 4.15 Basilea Pharmaceutica AG 4.10 Accor SA 4.02 Galp Energia SGPS SA 3.81 Total Total number of investments: 34 International Equity Cash and Equivalents 2.35 January 2012 Total value on December 31, 2014: $86,864 Black Creek Investment Management Inc. Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in January 2012 would have $1, in December This works out to an average of 14.35% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past two years. In the past two years, the Fund was up in value one year and down in value one year. % Portfolio turnover rate: Net asset value per unit 29.45% Units outstanding Investment 3.30% $ ,661 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want a long-term capital growth fund that invests outside of North America are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 13

20 SunWise Essential CI Black Creek International Equity Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.30% 0.68% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 14

21 SunWise Essential CI Cambridge American Equity Segregated Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Cambridge American Equity Corporate and Signature Corporate Bond Corporate. The Underlying Funds are combined to hold about 70% in shares and 30% in bonds. Top holdings and allocations as of December 31, 2014 Cambridge American Equity Corporate Cash and Equivalents Avis Budget Group Inc Signature Bank Norfolk Southern Corp Walgreens Boots Alliance Inc Viacom Inc First Republic Bank Thomson Reuters Corp Google Inc CGI Group Inc Signature Corporate Bond Corporate Cash and Equivalents 0.15 Total Total number of investments: 3 US Equity Foreign Bonds Domestic Bonds 9.50 Cash and Equivalents 9.37 Canadian Equity 5.11 International Equity 3.75 Income Trust Units 2.21 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in January 2012 would have $1, in December This works out to an average of 15.86% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past two years. In the past two years, the Fund was up in value two years. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.94% $ ,068 Income 2.53% $ ,287 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term January 2012 Total value on December 31, 2014: $5,341,968 CI Investments Inc. Portfolio turnover rate: 21.12% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 15

22 SunWise Essential CI Cambridge American Equity Segregated Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.94% 0.38% N/A N/A Estate 2.94% 0.38% 0.55% of Death Benefit Base Income 2.53% N/A 0.93% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 16

23 SunWise Essential CI Cambridge American Equity Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the Cambridge American Equity Corporate. The Underlying Fund invests mostly in U.S. shares. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Cash and Equivalents Avis Budget Group Inc 5.15 Signature Bank 4.08 Norfolk Southern Corp 3.99 Walgreens Boots Alliance Inc 3.96 Viacom Inc 3.90 First Republic Bank 3.88 Thomson Reuters Corp 3.50 Google Inc 3.43 CGI Group Inc 3.27 Total Total number of investments: 43 US Equity Cash and Equivalents Canadian Equity 6.84 International Equity 4.94 Income Trust Units 2.97 January 2012 Total value on December 31, 2014: $754,472 CI Global Investments Inc. Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in January 2012 would have $1, in December This works out to an average of 17.94% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past two years. In the past two years, the Fund was up in value two years. % Portfolio turnover rate: Net asset value per unit 16.12% Units outstanding Investment 3.29% $ ,901 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in U.S. companies with growth potential are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 17

24 SunWise Essential CI Cambridge American Equity Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.29% 0.68% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 18

25 SunWise Essential CI Cambridge Canadian Asset Allocation Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Cambridge Canadian Asset Allocation Corporate. The Underlying Fund invests mostly in Canadian shares and bonds. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Cash and Equivalents Tourmaline Oil Corp 3.98 George Weston Ltd 3.82 U.S. Bancorp 3.44 Granite REIT 2.92 CGI Group Inc 2.91 Adecco SA 2.37 Encana Corp 2.33 Precision Castparts Corp 2.30 Franco-Nevada Corp 2.29 Total Total number of investments: 65 US Equity Cash and Equivalents Canadian Equity Income Trust Units 8.02 International Equity 7.48 Foreign Bonds 5.17 Domestic Bonds 4.33 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 8.99% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.88% $ ,884,479 Income 2.52% $ ,650,796 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want combined income and growth are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $83,057,332 CI Global Investments Inc. Portfolio turnover rate: option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. 8.49% to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 19

26 SunWise Essential CI Cambridge Canadian Asset Allocation Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.88% 0.33% N/A N/A Estate 2.88% 0.33% 0.45% of Death Benefit Base Income 2.52% N/A 0.78% of LWA Base 0.65% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 20

27 SunWise Essential CI Cambridge Canadian Equity Low Volatility Segregated Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Cambridge Canadian Equity Corporate and Select Income Managed Corporate. The Underlying Funds are combined to hold about 55% in shares and 45% in bonds. Top holdings and allocations as of December 31, 2014 Cambridge Canadian Equity Corporate Cash and Equivalents George Weston Ltd Tourmaline Oil Corp CGI Group Inc Precision Castparts Corp Adecco SA U.S. Bancorp Encana Corp Viacom Inc Intact Financial Corp Select Income Managed Corporate Cash and Equivalents 0.43 Total Total number of investments: 3 Canadian Equity US Equity Domestic Bonds Cash and Equivalents Foreign Bonds International Equity 5.95 Income Trust Units 0.88 Other 0.31 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in April 2011 would have $1, in December This works out to an average of 9.00% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past three years. In the past three years, the Fund was up in value three years. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.86% $ ,233 Income 2.52% $ ,367 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in a diversified portfolio of equity and income securities designed for steady, long-term growth are investing for the medium and/or long term April 2011 Total value on December 31, 2014: $7,786,155 CI Investments Inc. Portfolio turnover rate: 37.09% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 21

28 SunWise Essential CI Cambridge Canadian Equity Low Volatility Segregated Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.86% 0.31% N/A N/A Estate 2.86% 0.31% 0.45% of Death Benefit Base Income 2.52% N/A 0.76% of LWA Base 0.40% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 22

29 SunWise Essential CI Cambridge Canadian Equity Segregated Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Cambridge Canadian Equity Corporate and Signature Corporate Bond Corporate. The Underlying Funds are combined to hold about 70% in shares and 30% in bonds. Top holdings and allocations as of December 31, 2014 Cambridge Canadian Equity Corporate Cash and Equivalents George Weston Ltd Tourmaline Oil Corp CGI Group Inc Precision Castparts Corp Adecco SA U.S. Bancorp Encana Corp Viacom Inc Intact Financial Corp Signature Corporate Bond Corporate Cash and Equivalents 0.52 Total Total number of investments: 3 Canadian Equity US Equity Cash and Equivalents Foreign Bonds Domestic Bonds 7.10 International Equity 4.70 Income Trust Units 0.10 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 12.89% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value four years. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.92% $ ,710 Income 2.50% $ ,400,831 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $60,068,782 CI Investments Inc. Portfolio turnover rate: 42.27% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 23

30 SunWise Essential CI Cambridge Canadian Equity Segregated Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.92% 0.38% N/A N/A Estate 2.92% 0.38% 0.55% of Death Benefit Base Income 2.50% N/A 0.93% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 24

31 SunWise Essential CI Cambridge Canadian Equity Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the Cambridge Canadian Equity Corporate. The Underlying Fund invests mostly in Canadian shares. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Cash and Equivalents George Weston Ltd 5.05 Tourmaline Oil Corp 4.63 CGI Group Inc 4.22 Precision Castparts Corp 3.75 Adecco SA 3.67 U.S. Bancorp 3.50 Encana Corp 3.25 Viacom Inc 3.22 Intact Financial Corp 3.09 Total Total number of investments: 41 Canadian Equity US Equity Cash and Equivalents International Equity 5.77 Income Trust Units 0.13 September 2010 Total value on December 31, 2014: $4,382,016 CI Investments Inc. Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 13.51% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Portfolio turnover rate: Net asset value per unit 24.09% Units outstanding Investment 3.28% $ ,458 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want a core Canadian equity fund are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 25

32 SunWise Essential CI Cambridge Canadian Equity Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.28% 0.68% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 26

33 SunWise Essential CI Cambridge Global Equity Segregated Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Cambridge Global Equity Corporate and Signature Corporate Bond Corporate. The Underlying Funds are combined to hold about 70% in shares and 30% in bonds. Top holdings and allocations as of December 31, 2014 Cambridge Global Equity Corporate Cash and Equivalents Tourmaline Oil Corp Goldman Sachs Group Inc SunTrust Banks Inc Lions Gate Entertainment Corp Google Inc Jones Lang LaSalle Inc Cullen/Frost Bankers Inc PPG Industries Inc 3M Co Signature Corporate Bond Corporate Cash and Equivalents 0.32 Total Total number of investments: 3 US Equity International Equity Foreign Bonds Cash and Equivalents Canadian Equity 8.86 Domestic Bonds 8.72 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 9.65% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.95% $ ,859 Income 2.53% $ ,171,278 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $42,375,015 CI Investments Inc. Portfolio turnover rate: 17.98% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 27

34 SunWise Essential CI Cambridge Global Equity Segregated Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.95% 0.38% N/A N/A Estate 2.95% 0.38% 0.55% of Death Benefit Base Income 2.53% N/A 0.93% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 28

35 SunWise Essential CI Cambridge Global Equity Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the Cambridge Global Equity Corporate. The Underlying Fund invests mostly in shares of firms from around the world. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Cash and Equivalents Tourmaline Oil Corp 3.69 Goldman Sachs Group Inc 3.12 SunTrust Banks Inc 2.70 Lions Gate Entertainment Corp 2.58 Google Inc 2.56 Jones Lang LaSalle Inc 2.41 Cullen/Frost Bankers Inc 2.27 PPG Industries Inc M Co 2.12 Total Total number of investments: 84 US Equity International Equity Cash and Equivalents Canadian Equity September 2010 Total value on December 31, 2014: $3,153,380 CI Global Investments Inc. and CI Investments Inc. Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 11.27% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Portfolio turnover rate: Net asset value per unit 21.34% Units outstanding Investment 3.27% $ ,418 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want a core foreign equity fund are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 29

36 SunWise Essential CI Cambridge Global Equity Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.27% 0.68% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 30

37 SunWise Essential CI Cambridge Segregated Diversified Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Cambridge Canadian Equity Corporate and Signature High Income Corporate. The Underlying Funds are combined to hold about 70% in shares and 30% in bonds. Top holdings and allocations as of December 31, 2014 Cambridge Canadian Equity Corporate Cash and Equivalents George Weston Ltd Tourmaline Oil Corp CGI Group Inc Precision Castparts Corp Adecco SA U.S. Bancorp Encana Corp Viacom Inc Intact Financial Corp Signature High Income Corporate Cash and Equivalents 0.09 Total Total number of investments: 3 Canadian Equity US Equity Foreign Bonds Cash and Equivalents International Equity 6.57 Domestic Bonds 2.62 Income Trust Units 2.55 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 11.33% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value four years. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.97% $ ,929 Income 2.54% $ ,280,718 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $99,180,330 CI Investments Inc. Portfolio turnover rate: 64.96% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 31

38 SunWise Essential CI Cambridge Segregated Diversified Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.97% 0.38% N/A N/A Estate 2.97% 0.38% 0.55% of Death Benefit Base Income 2.54% N/A 0.93% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 32

39 SunWise Essential CI Canadian Investment Segregated Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the CI Canadian Investment Corporate and Signature Corporate Bond Corporate. The Underlying Funds are combined to hold about 70% in shares and 30% in bonds. Top holdings and allocations as of December 31, 2014 CI Canadian Investment Corporate Toronto-Dominion Bank Cash and Equivalents Royal Bank of Canada Manulife Financial Corp Suncor Energy Inc Bank of Nova Scotia Canadian Imperial Bank of Commerce Canadian Natural Resources Ltd Tourmaline Oil Corp Air Canada Signature Corporate Bond Corporate Cash and Equivalents 0.28 Total Total number of investments: 3 Canadian Equity US Equity Foreign Bonds Domestic Bonds International Equity 7.55 Cash and Equivalents 4.45 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 6.34% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.92% $ ,355 Income 2.50% $ ,864,296 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $33,515,177 CI Investments Inc. Portfolio turnover rate: 14.55% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 33

40 SunWise Essential CI Canadian Investment Segregated Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.92% 0.38% N/A N/A Estate 2.92% 0.38% 0.55% of Death Benefit Base Income 2.50% N/A 0.93% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 34

41 SunWise Essential CI Canadian Investment Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the CI Canadian Investment Corporate. The Underlying Fund invests mostly in Canadian shares. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Toronto-Dominion Bank 4.16 Cash and Equivalents 4.13 Royal Bank of Canada 4.09 Manulife Financial Corp 3.27 Suncor Energy Inc 3.00 Bank of Nova Scotia 2.98 Canadian Imperial Bank of Commerce 2.61 Canadian Natural Resources Ltd 2.44 Tourmaline Oil Corp 2.29 Air Canada 2.28 Total Total number of investments: 141 Canadian Equity US Equity International Equity Cash and Equivalents 4.13 Domestic Bonds 0.42 September 2010 Total value on December 31, 2014: $5,755,226 Tetrem Capital Management Ltd. and Altrinsic Global Advisors, LLC Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 6.25% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Portfolio turnover rate: Net asset value per unit 14.26% Units outstanding Investment 3.26% $ ,705 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want a core Canadian equity fund are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 35

42 SunWise Essential CI Canadian Investment Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.26% 0.68% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 36

43 SunWise Essential CI Global Segregated Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the CI Global Corporate and Signature Corporate Bond Corporate. The Underlying Funds are combined to hold about 70% in shares and 30% in bonds. Top holdings and allocations as of December 31, 2014 CI Global Corporate Cash and Equivalents JPMorgan Chase & Co UBS Group AG Citigroup Inc Alibaba Group Holding Ltd The PNC Financial Services Group Inc Wells Fargo & Co Forest City Enterprises Inc NXP Semiconductors NV Qualcomm Inc Signature Corporate Bond Corporate Cash and Equivalents 0.76 Total Total number of investments: 3 International Equity US Equity Cash and Equivalents Foreign Bonds Domestic Bonds 8.33 Other 6.11 Canadian Equity 0.73 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 8.23% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.95% $ ,478 Income 2.53% $ ,938 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $4,116,664 CI Investments Inc. Portfolio turnover rate: 35.11% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 37

44 SunWise Essential CI Global Segregated Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.95% 0.38% N/A N/A Estate 2.95% 0.38% 0.55% of Death Benefit Base Income 2.53% N/A 0.93% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 38

45 SunWise Essential CI Global Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the CI Global Corporate. The Underlying Fund invests mostly in shares of firms from around the world. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Cash and Equivalents JPMorgan Chase & Co 3.09 UBS Group AG 3.05 Citigroup Inc 2.68 Alibaba Group Holding Ltd 2.55 The PNC Financial Services Group Inc 2.55 Wells Fargo & Co 2.32 Forest City Enterprises Inc 1.70 NXP Semiconductors NV 1.49 Qualcomm Inc 1.48 Total Total number of investments: 132 International Equity US Equity Cash and Equivalents Other 7.96 Canadian Equity 0.92 September 2010 Total value on December 31, 2014: $228,240 CI Investments Inc. Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 9.36% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Portfolio turnover rate: Net asset value per unit 4.63% Units outstanding Investment 3.28% $ ,461 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want a core foreign equity fund are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 39

46 SunWise Essential CI Global Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.28% 0.68% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 40

47 SunWise Essential CI Global Value Segregated Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the CI Global Value Corporate and Signature Corporate Bond Corporate. The Underlying Funds are combined to hold about 70% in shares and 30% in bonds. Top holdings and allocations as of December 31, 2014 CI Global Value Corporate Cash and Equivalents Intercontinental Exchange Inc Exelon Corp Wal-Mart Stores Inc Mitsubishi UFJ Financial Group Inc Time Warner Inc Willis Group Holdings PLC GlaxoSmithKline PLC Tokio Marine Holdings Inc Sanofi SA Signature Corporate Bond Corporate Cash and Equivalents 0.39 Total Total number of investments: 3 International Equity US Equity Foreign Bonds Domestic Bonds Cash and Equivalents 3.96 Canadian Equity 0.72 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 7.92% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.96% $ ,821 Income 2.53% $ ,870 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $586,757 CI Investments Inc. Portfolio turnover rate: 7.82% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 41

48 SunWise Essential CI Global Value Segregated Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.96% 0.38% N/A N/A Estate 2.96% 0.38% 0.55% of Death Benefit Base Income 2.53% N/A 0.93% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 42

49 SunWise Essential CI Global Value Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the CI Global Value Corporate. The Underlying Fund invests mostly in shares of firms from around the world. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Cash and Equivalents 3.24 Intercontinental Exchange Inc 3.03 Exelon Corp 2.92 Wal-Mart Stores Inc 2.86 Mitsubishi UFJ Financial Group Inc 2.59 Time Warner Inc 2.49 Willis Group Holdings PLC 2.42 GlaxoSmithKline PLC 2.40 Tokio Marine Holdings Inc 2.30 Sanofi SA 2.26 Total Total number of investments: 78 International Equity US Equity Cash and Equivalents 3.24 Canadian Equity 1.02 September 2010 Total value on December 31, 2014: $36,135 Altrinsic Global Advisors, LLC Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 9.48% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Portfolio turnover rate: Net asset value per unit 1.08% Units outstanding Investment 3.30% $ ,449 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want a core foreign equity fund are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 43

50 SunWise Essential CI Global Value Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.30% 0.68% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 44

51 SunWise Essential CI Harbour Foreign Equity Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the Harbour Global Equity Corporate. The Underlying Fund invests mostly in shares of firms from around the world. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Cash and Equivalents Discover Financial Services 5.17 Diageo PLC 4.47 Aryzta AG 4.13 Kerry Group PLC 4.09 Air Liquide SA 3.87 Occidental Petroleum Corp 3.82 Apple Inc 3.62 CSX Corp 3.40 GlaxoSmithKline PLC 3.39 Total Total number of investments: 37 International Equity US Equity Cash and Equivalents Domestic Bonds 0.84 September 2010 Total value on December 31, 2014: $1,822,372 CI Investments Inc. Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 8.92% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Portfolio turnover rate: Net asset value per unit 44.72% Units outstanding Investment 3.28% $ ,257 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want a core foreign equity fund are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 45

52 SunWise Essential CI Harbour Foreign Equity Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.28% 0.68% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 46

53 SunWise Essential CI Harbour Foreign Growth & Income Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Harbour Global Growth & Income Corporate. The Underlying Fund invests mostly in shares and bonds of firms from around the world. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Cash and Equivalents 5.72 Apple Inc 5.18 Honeywell International Inc 5.12 General Electric Co 3.91 Discover Financial Services 3.54 Corby Spirit and Wine Ltd 3.20 Oaktree Capital Group LLC 3.15 American Water Works Co Inc 2.88 United States Treasury 2.25 % 15-Nov United States Treasury 3.00 % 15-Nov Total Total number of investments: 87 US Equity Foreign Bonds International Equity Canadian Equity Domestic Bonds 7.71 Cash and Equivalents 5.72 Income Trust Units 5.00 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 9.67% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.91% $ ,406 Income 2.54% $ ,505 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want both equity and fixed income securities in a single fund and prefer to have the portfolio advisor make the asset mix decisions are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $15,068,517 CI Investments Inc. Portfolio turnover rate: 7.83% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 47

54 SunWise Essential CI Harbour Foreign Growth & Income Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.91% 0.33% N/A N/A Estate 2.91% 0.33% 0.45% of Death Benefit Base Income 2.54% N/A 0.78% of LWA Base 0.65% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 48

55 SunWise Essential CI Harbour Growth & Income Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Harbour Growth & Income Fund. The Underlying Fund invests mostly in Canadian shares and bonds. Top holdings and allocations of the Underlying Fund as of December 31, 2014 United States Treasury 3.00 % 15-Nov Apple Inc 4.82 Discover Financial Services 4.54 Intact Financial Corp 4.20 Toronto-Dominion Bank 2.97 United States Treasury 2.25 % 15-Nov Shawcor Ltd 2.51 Bank of Nova Scotia 2.49 General Electric Co 2.49 Google Inc 2.41 Total Total number of investments: 112 Canadian Equity US Equity Domestic Bonds Foreign Bonds 8.92 International Equity 5.54 Income Trust Units 2.74 Cash and Equivalents 0.87 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 5.18% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.88% $ ,087,620 Income 2.51% $ ,159,928 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want both equity and fixed income securities in a single fund and prefer to have the portfolio advisor make the asset mix decisions are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $65,791,002 CI Investments Inc. & Marret Asset Management Inc. Portfolio turnover rate: 3.21% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 49

56 SunWise Essential CI Harbour Growth & Income Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.88% 0.33% N/A N/A Estate 2.88% 0.33% 0.45% of Death Benefit Base Income 2.51% N/A 0.78% of LWA Base 0.65% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 50

57 SunWise Essential CI Harbour Low Volatility Segregated Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Harbour Corporate and Select Income Managed Corporate. The Underlying Funds are combined to hold about 55% in shares and 45% in bonds. Top holdings and allocations as of December 31, 2014 Harbour Corporate Cash and Equivalents Empire Co Ltd Intact Financial Corp Discover Financial Services George Weston Ltd Suncor Energy Inc Bank of Nova Scotia Cenovus Energy Inc Diageo PLC Apple Inc Select Income Managed Corporate Cash and Equivalents 0.42 Total Total number of investments: 3 Canadian Equity Cash and Equivalents Domestic Bonds US Equity Foreign Bonds International Equity 6.75 Income Trust Units 0.71 Other 0.27 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in April 2011 would have $1, in December This works out to an average of 3.69% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past three years. In the past three years, the Fund was up in value three years. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.84% $ ,843 Income 2.49% $ ,414 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in a diversified portfolio of equity and income securities designed for steady, long-term growth are investing for the medium and/or long term April 2011 Total value on December 31, 2014: $4,187,796 CI Investments Inc. Portfolio turnover rate: 19.40% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 51

58 SunWise Essential CI Harbour Low Volatility Segregated Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.84% 0.31% N/A N/A Estate 2.84% 0.31% 0.45% of Death Benefit Base Income 2.49% N/A 0.76% of LWA Base 0.40% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 52

59 SunWise Essential CI Harbour Segregated Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Harbour Corporate and Signature Corporate Bond Corporate. The Underlying Funds are combined to hold about 70% in shares and 30% in bonds. Top holdings and allocations as of December 31, 2014 Harbour Corporate Cash and Equivalents Empire Co Ltd Intact Financial Corp Discover Financial Services George Weston Ltd Suncor Energy Inc Bank of Nova Scotia Cenovus Energy Inc Diageo PLC Apple Inc Signature Corporate Bond Corporate Cash and Equivalents 0.62 Total Total number of investments: 3 Canadian Equity Cash and Equivalents US Equity International Equity 6.37 Foreign Bonds 6.06 Domestic Bonds 5.59 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 5.38% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.92% $ ,171,792 Income 2.50% $ ,181,247 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $86,876,701 CI Investments Inc. Portfolio turnover rate: 22.07% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 53

60 SunWise Essential CI Harbour Segregated Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.92% 0.38% N/A N/A Estate 2.92% 0.38% 0.55% of Death Benefit Base Income 2.50% N/A 0.93% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 54

61 SunWise Essential CI Harbour Segregated Diversified Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Harbour Corporate and Signature High Income Corporate. The Underlying Funds are combined to hold about 70% in shares and 30% in bonds. Top holdings and allocations as of December 31, 2014 Harbour Corporate Cash and Equivalents Empire Co Ltd Intact Financial Corp Discover Financial Services George Weston Ltd Suncor Energy Inc Bank of Nova Scotia Cenovus Energy Inc Diageo PLC Apple Inc Signature High Income Corporate Cash and Equivalents 0.36 Total Total number of investments: 3 Canadian Equity Cash and Equivalents US Equity Foreign Bonds 8.84 International Equity 7.36 Domestic Bonds 2.89 Income Trust Units 1.58 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 6.17% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.95% $ ,534 Income 2.53% $ ,143,743 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $78,775,807 CI Investments Inc. Portfolio turnover rate: 36.26% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 55

62 SunWise Essential CI Harbour Segregated Diversified Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.95% 0.38% N/A N/A Estate 2.95% 0.38% 0.55% of Death Benefit Base Income 2.53% N/A 0.93% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 56

63 SunWise Essential CI Harbour Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the Harbour Corporate. The Underlying Fund invests mostly in Canadian shares. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Cash and Equivalents Empire Co Ltd 5.54 Intact Financial Corp 4.77 Discover Financial Services 4.54 George Weston Ltd 4.44 Suncor Energy Inc 4.27 Bank of Nova Scotia 4.25 Cenovus Energy Inc 4.06 Diageo PLC 4.01 Apple Inc 3.79 Total Total number of investments: 33 Canadian Equity US Equity Cash and Equivalents International Equity 7.19 Domestic Bonds 1.57 September 2010 Total value on December 31, 2014: $7,469,457 CI Investments Inc. Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 5.02% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Portfolio turnover rate: Net asset value per unit 14.98% Units outstanding Investment 3.27% $ ,285 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want a core Canadian equity fund are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 57

64 SunWise Essential CI Harbour Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.27% 0.68% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 58

65 SunWise Essential CI International Value Segregated Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the CI International Value Corporate and Signature Corporate Bond Corporate. The Underlying Funds are combined to hold about 70% in shares and 30% in bonds. Top holdings and allocations as of December 31, 2014 CI International Value Corporate Cash and Equivalents Mitsubishi UFJ Financial Group Inc Sanofi SA Willis Group Holdings PLC GlaxoSmithKline PLC Novartis AG Covidien PLC Diageo PLC Roche Holding AG Deutsche Boerse AG Signature Corporate Bond Corporate Cash and Equivalents 0.02 Total Total number of investments: 3 International Equity Foreign Bonds Domestic Bonds Cash and Equivalents 4.32 US Equity 3.67 Canadian Equity 1.25 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 5.69% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.95% $ ,058 Income 2.52% $ ,423 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $661,410 CI Investments Inc. Portfolio turnover rate: 5.23% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 59

66 SunWise Essential CI International Value Segregated Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.95% 0.38% N/A N/A Estate 2.95% 0.38% 0.55% of Death Benefit Base Income 2.52% N/A 0.93% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 60

67 SunWise Essential CI International Value Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the CI International Value Corporate. The Underlying Fund invests mostly in shares of firms from around the world. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Cash and Equivalents 4.34 Mitsubishi UFJ Financial Group Inc 3.17 Sanofi SA 3.06 Willis Group Holdings PLC 3.03 GlaxoSmithKline PLC 2.97 Novartis AG 2.95 Covidien PLC 2.87 Diageo PLC 2.79 Roche Holding AG 2.78 Deutsche Boerse AG 2.58 Total Total number of investments: 68 International Equity Cash and Equivalents 4.34 US Equity 3.30 Canadian Equity 1.64 September 2010 Total value on December 31, 2014: $159,151 Altrinsic Global Advisors, LLC Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 5.81% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Portfolio turnover rate: Net asset value per unit 5.67% Units outstanding Investment 3.30% $ ,495 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want a core foreign equity fund are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 61

68 SunWise Essential CI International Value Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.30% 0.68% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 62

69 SunWise Essential CI Money Market Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the CI Money Market Fund. The Underlying Fund invests mostly in short-term debt that mature in less than 365 days. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Cash and Equivalents New Brunswick Province FRN 22-Feb National Bank of Canada FRN 23-Jun Toronto-Dominion Bank FRN 21-Apr Bank of Montreal 1.89 % 05-Oct HSBC Bank Canada FRN 21-Jan VW Credit Canada Inc FRN 03-Apr Honda Canada Finance Inc FRN 03-Dec Canadian Imperial Bank Of Commerce FRN 08-Apr Total Total number of investments: 9 Cash and Equivalents Domestic Bonds How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 0.05% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value two years and down in value two years. % Net asset value per unit Units outstanding Investment / Estate 1.38% $ ,976 Income 1.28% $ ,440,797 What does the Fund invest in? September 2010 Total value on December 31, 2014: $24,024,074 CI Investments Inc. Portfolio turnover rate: % option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to earn income are investing for the short term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 63

70 SunWise Essential CI Money Market Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: N/A ISC: 0.00% to 0.25% Annual LWA Base Fee rates charged to you Investment 1.38% 0.10% N/A N/A Estate 1.38% 0.10% 0.15% of Death Benefit Base Income 1.28% N/A 0.25% of LWA Base 0.22% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 64

71 SunWise Essential CI Select Income Managed Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Select Income Managed Corporate. The Underlying Fund invests mostly in bonds. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Cash and Equivalents United States Treasury Note/Bond 1.50 % 30-Nov Hsbc Bank Canada 2.57 % 23-Nov Ontario Province 4.20 % 02-Jun Bank of Nova Scotia 2.10 % 08-Nov Quebec Province 4.50 % 01-Dec Canada Government 1.50 % 01-Feb Canada Government 5.00 % 01-Jun Ontario Province 2.10 % 08-Sep Toronto-Dominion Bank FRN 30-Oct Total Total number of investments: 925 Domestic Bonds Foreign Bonds Cash and Equivalents US Equity 7.73 International Equity 6.20 Canadian Equity 5.24 Income Trust Units 1.72 Other 0.65 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in April 2011 would have $1, in December This works out to an average of 4.01% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past three years. In the past three years, the Fund was up in value three years. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.68% $ ,228,614 Income 2.50% $ ,256,306 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in fixed income are investing for the short and/or medium term April 2011 Total value on December 31, 2014: $42,650,867 CI Investments Inc. Portfolio turnover rate: 10.73% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 65

72 SunWise Essential CI Select Income Managed Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.68% 0.16% N/A N/A Estate 2.68% 0.16% 0.35% of Death Benefit Base Income 2.50% N/A 0.51% of LWA Base 0.30% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 66

73 SunWise Essential CI Signature Canadian Balanced Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Signature Canadian Balanced Fund. The Underlying Fund invests mostly in Canadian shares and bonds. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Cash and Equivalents Toronto-Dominion Bank 3.97 Bank of Nova Scotia 3.89 Royal Bank of Canada 3.86 JPMorgan Chase & Co 1.82 Canadian National Railway Co 1.77 Canada Government 1.50 % 01-Feb Ontario Province 4.20 % 02-Jun UBS Group AG 1.21 Alimentation Couche-Tard Inc 1.05 Total Total number of investments: 298 Domestic Bonds Canadian Equity Cash and Equivalents US Equity International Equity Other 2.36 Foreign Bonds 2.33 Income Trust Units 0.13 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 6.93% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.88% $ ,716 Income 2.53% $ ,507,546 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want both equity and fixed income securities in a single fund and prefer to have the portfolio advisor make the asset mix decisions are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $33,534,415 CI Investments Inc. Portfolio turnover rate: 10.86% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 67

74 SunWise Essential CI Signature Canadian Balanced Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.88% 0.33% N/A N/A Estate 2.88% 0.33% 0.45% of Death Benefit Base Income 2.53% N/A 0.78% of LWA Base 0.55% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 68

75 SunWise Essential CI Signature Canadian Bond Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Signature Canadian Bond Fund. The Underlying Fund invests mostly in Canadian bonds. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Cash and Equivalents 4.50 Ontario Province 4.20 % 02-Jun Canada Government 5.00 % 01-Jun Quebec Province 4.50 % 01-Dec Ontario Province 2.10 % 08-Sep Quebec Province 4.25 % 01-Dec Canada Government 1.50 % 01-Feb Canada Government 1.75 % 01-Sep Ontario Province 4.20 % 08-Mar Canada Housing Trust No % 15-Jun Total Total number of investments: 199 Domestic Bonds Cash and Equivalents 4.50 Foreign Bonds 4.38 International Equity 0.43 US Equity 0.22 Canadian Equity 0.15 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 3.06% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit Units outstanding Investment / Estate 2.29% $ ,366 Income N/A N/A N/A What does the Fund invest in? September 2010 Total value on December 31, 2014: $10,870,404 CI Investments Inc. Portfolio turnover rate: 11.17% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 N/A Minimum investment additional purchases: $100 $100 N/A Monthly minimum of pre-authorized chequing: $50 $50 N/A If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in fixed income are investing for the short and/or medium term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 69

76 SunWise Essential CI Signature Canadian Bond Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.25% ISC: 0.50% Annual LWA Base Fee rates charged to you Investment 2.29% 0.15% N/A N/A Estate 2.29% 0.15% 0.30% of Death Benefit Base Income N/A N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 70

77 SunWise Essential CI Signature Corporate Bond Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Signature Corporate Bond Fund. The Underlying Fund invests mostly in bonds of firms from around the world. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Cash and Equivalents 4.10 Delta 2 Lux Sarl 7.75 % 29-Jul Amaya BV 5.00 % 01-Aug Lloyds Bank PLC 7.00 % PERP 0.66 Credit Suisse Group Ag FRN PERP 0.66 Lincoln National Corp FRN 17-May Ally Financial Inc 0.60 Forest City Enterprises Inc 3.63 % 15-Aug Harvest Operations Corp 6.88 % 01-Oct Kinetic Concepts Inc % 01-Nov Total 9.79 Total number of investments: 572 Foreign Bonds Domestic Bonds US Equity 4.67 Cash and Equivalents 4.10 International Equity 0.34 Canadian Equity 0.15 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 5.10% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value four years. % Net asset value per unit Units outstanding Investment / Estate 2.57% $ ,847 Income N/A N/A N/A What does the Fund invest in? September 2010 Total value on December 31, 2014: $9,189,638 CI Investments Inc. Portfolio turnover rate: 13.77% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 N/A Minimum investment additional purchases: $100 $100 N/A Monthly minimum of pre-authorized chequing: $50 $50 N/A If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to receive income are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 71

78 SunWise Essential CI Signature Corporate Bond Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.25% ISC: 0.50% Annual LWA Base Fee rates charged to you Investment 2.57% 0.25% N/A N/A Estate 2.57% 0.25% 0.30% of Death Benefit Base Income N/A N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 72

79 SunWise Essential CI Signature Diversified Yield Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Signature Diversified Yield Corporate. The Underlying Fund invests mostly in bonds and shares of firms from around the world. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Cash and Equivalents Singapore Telecommunications Ltd 1.79 Spirit Realty Capital Inc 1.79 Rouse Properties Inc 1.76 Forest City Enterprises Inc 1.67 UBS Group AG 1.54 Veresen Inc 1.40 Citigroup Inc 1.38 Abertis Infraestructuras SA 1.30 Enbridge Inc 1.25 Total Total number of investments: 461 Foreign Bonds US Equity International Equity Cash and Equivalents Domestic Bonds 4.73 Income Trust Units 4.71 Canadian Equity 3.76 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 6.29% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.86% $ ,137,291 Income 2.52% $ ,246,283 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to receive income are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $89,120,198 CI Investments Inc. Portfolio turnover rate: 0.70% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 73

80 SunWise Essential CI Signature Diversified Yield Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.86% 0.31% N/A N/A Estate 2.86% 0.31% 0.45% of Death Benefit Base Income 2.52% N/A 0.76% of LWA Base 0.60% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 74

81 SunWise Essential CI Signature Dividend Segregated Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Signature Dividend Corporate and Signature Corporate Bond Corporate. The Underlying Funds are combined to hold about 70% in shares and 30% in bonds. Top holdings and allocations as of December 31, 2014 Signature Dividend Corporate Cash and Equivalents Toronto-Dominion Bank Bank of Nova Scotia Royal Bank of Canada Enbridge Inc JPMorgan Chase & Co The PNC Financial Services Group Inc Citigroup Inc Wells Fargo & Co Canadian National Railway Co Signature Corporate Bond Corporate Cash and Equivalents 0.08 Total Total number of investments: 3 Canadian Equity Foreign Bonds International Equity US Equity Domestic Bonds 9.99 Cash and Equivalents 7.88 Other 4.46 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 7.19% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.93% $ ,127 Income 2.51% $ ,875,909 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $49,796,630 CI Investments Inc. Portfolio turnover rate: 14.90% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 75

82 SunWise Essential CI Signature Dividend Segregated Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.93% 0.38% N/A N/A Estate 2.93% 0.38% 0.55% of Death Benefit Base Income 2.51% N/A 0.93% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 76

83 SunWise Essential CI Signature Dividend Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the Signature Dividend Corporate. The Underlying Fund invests mostly in Canadian shares. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Cash and Equivalents 9.08 Toronto-Dominion Bank 3.73 Bank of Nova Scotia 3.66 Royal Bank of Canada 3.62 Enbridge Inc 2.62 JPMorgan Chase & Co 2.50 The PNC Financial Services Group Inc 1.99 Citigroup Inc 1.59 Wells Fargo & Co 1.57 Canadian National Railway Co 1.54 Total Total number of investments: 176 Canadian Equity International Equity US Equity Cash and Equivalents 9.08 Other 6.06 Domestic Bonds 0.27 September 2010 Total value on December 31, 2014: $4,627,517 CI Investments Inc. Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 7.92% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Portfolio turnover rate: Net asset value per unit 5.27% Units outstanding Investment 2.89% $ ,583 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to earn dividend income are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 77

84 SunWise Essential CI Signature Dividend Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.89% 0.33% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 78

85 SunWise Essential CI Signature Global Income & Growth Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Signature Global Income & Growth Fund. The Underlying Fund invests mostly in shares and bonds of firms from around the world. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Cash and Equivalents JPMorgan Chase & Co 1.94 UBS Group AG 1.83 United States Treasury 1.63 % 31-Aug Citigroup Inc 1.58 United States Treasury 2.00 % 31-Oct Alibaba Group Holding Ltd 1.48 The PNC Financial Services Group Inc 1.47 Wells Fargo & Co 1.45 France Government Bond OAT 3.25 % 25-May Total Total number of investments: 590 Foreign Bonds International Equity US Equity Cash and Equivalents Other 4.85 Domestic Bonds 1.56 Canadian Equity 0.53 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 8.30% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.93% $ ,388 Income 2.54% $ ,171,989 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want both foreign equity and fixed income securities in a single fund and prefer to have the portfolio advisor make the asset mix decisions are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $28,218,521 CI Investments Inc. Portfolio turnover rate: 12.52% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 79

86 SunWise Essential CI Signature Global Income & Growth Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.93% 0.33% N/A N/A Estate 2.93% 0.33% 0.45% of Death Benefit Base Income 2.54% N/A 0.78% of LWA Base 0.65% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 80

87 SunWise Essential CI Signature High Income Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Signature High Income Fund. The Underlying Fund invests mostly in shares and Canadian bonds. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Cash and Equivalents Inter Pipeline Ltd 2.28 United States Treasury 2.38 % 15-Aug United States Treasury 1.63 % 31-Aug Singapore Telecommunications Ltd 1.91 UBS Group AG 1.61 Transurban Group 1.51 Veresen Inc 1.50 Algonquin Power & Utilities Corp 1.45 Citigroup Inc 1.45 Total Total number of investments: 482 Foreign Bonds Cash and Equivalents US Equity Canadian Equity International Equity 8.09 Domestic Bonds 7.52 Income Trust Units 7.08 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 7.34% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value four years. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.84% $ ,808,338 Income 2.50% $ ,433,397 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to receive income are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $243,795,671 CI Investments Inc. Portfolio turnover rate: 6.88% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 81

88 SunWise Essential CI Signature High Income Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.84% 0.31% N/A N/A Estate 2.84% 0.31% 0.45% of Death Benefit Base Income 2.50% N/A 0.76% of LWA Base 0.60% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 82

89 SunWise Essential CI Signature Income & Growth Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Signature Income & Growth Fund. The Underlying Fund invests mostly in Canadian shares and bonds. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Cash and Equivalents Toronto-Dominion Bank 4.09 Bank of Nova Scotia 4.01 Royal Bank of Canada 3.98 JPMorgan Chase & Co 1.77 UBS Group AG 1.26 Canada Government 1.50 % 01-Feb Singapore Telecommunications Ltd 1.06 Citigroup Inc 1.04 Canadian National Railway Co 1.00 Total Total number of investments: 681 Canadian Equity Domestic Bonds International Equity US Equity Foreign Bonds Cash and Equivalents Other 2.38 Income Trust Units 1.30 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 8.00% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.87% $ ,560,295 Income 2.50% $ ,964,733 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want income while preserving capital are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $106,523,523 CI Investments Inc. Portfolio turnover rate: 10.62% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 83

90 SunWise Essential CI Signature Income & Growth Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.87% 0.33% N/A N/A Estate 2.87% 0.33% 0.45% of Death Benefit Base Income 2.50% N/A 0.78% of LWA Base 0.63% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 84

91 SunWise Essential CI Signature Select Canadian Low Volatility Segregated Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Signature Select Canadian Corporate and Select Income Managed Corporate. The Underlying Funds are combined to hold about 55% in shares and 45% in bonds. Top holdings and allocations as of December 31, 2014 Select Income Managed Corporate Cash and Equivalents United States Treasury Note/Bond 1.50 % 30-Nov-2019 Hsbc Bank Canada 2.57 % 23-Nov-2015 Ontario Province 4.20 % 02-Jun-2020 Bank of Nova Scotia 2.10 % 08-Nov-2016 Quebec Province 4.50 % 01-Dec-2019 Signature Select Canadian Corporate Cash and Equivalents 0.38 Total Total number of investments: 3 Canadian Equity Domestic Bonds Cash and Equivalents US Equity Foreign Bonds International Equity Other 1.93 Income Trust Units 1.00 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in April 2011 would have $1, in December This works out to an average of 5.80% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past three years. In the past three years, the Fund was up in value three years. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.85% $ ,566 Income 2.51% $ ,551 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in a diversified portfolio of equity and income securities designed for steady, long-term growth are investing for the medium and/or long term April 2011 Total value on December 31, 2014: $8,423,150 CI Investments Inc. Portfolio turnover rate: 21.35% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 85

92 SunWise Essential CI Signature Select Canadian Low Volatility Segregated Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.85% 0.31% N/A N/A Estate 2.85% 0.31% 0.45% of Death Benefit Base Income 2.51% N/A 0.76% of LWA Base 0.40% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 86

93 SunWise Essential CI Signature Select Canadian Segregated Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Signature Select Canadian Corporate and Signature Corporate Bond Corporate. The Underlying Funds are combined to hold about 70% in shares and 30% in bonds. Top holdings and allocations as of December 31, 2014 Signature Select Canadian Corporate Cash and Equivalents Toronto-Dominion Bank Bank of Nova Scotia Royal Bank of Canada Canadian National Railway Co JPMorgan Chase & Co UBS Group AG Brookfield Asset Management Inc NXP Semiconductors NV Alimentation Couche-Tard Inc Signature Corporate Bond Corporate Cash and Equivalents 0.30 Total Total number of investments: 3 Canadian Equity US Equity International Equity Cash and Equivalents Foreign Bonds Domestic Bonds 8.89 Other 2.51 Income Trust Units 0.17 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 7.50% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.93% $ ,132,893 Income 2.51% $ ,170,476 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $93,093,426 CI Investments Inc. Portfolio turnover rate: 22.97% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 87

94 SunWise Essential CI Signature Select Canadian Segregated Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.93% 0.38% N/A N/A Estate 2.93% 0.38% 0.55% of Death Benefit Base Income 2.51% N/A 0.93% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 88

95 SunWise Essential CI Signature Select Canadian Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the Signature Select Canadian Corporate. The Underlying Fund invests mostly in Canadian shares. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Cash and Equivalents Toronto-Dominion Bank 6.20 Bank of Nova Scotia 6.05 Royal Bank of Canada 6.00 Canadian National Railway Co 3.32 JPMorgan Chase & Co 2.45 UBS Group AG 1.89 Brookfield Asset Management Inc 1.77 NXP Semiconductors NV 1.59 Alimentation Couche-Tard Inc 1.58 Total Total number of investments: 114 Canadian Equity US Equity International Equity Cash and Equivalents Other 3.31 Income Trust Units 0.26 September 2010 Total value on December 31, 2014: $8,181,064 CI Investments Inc. Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 7.39% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Portfolio turnover rate: Net asset value per unit 3.60% Units outstanding Investment 3.26% $ ,236 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want a Canadian equity fund are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 89

96 SunWise Essential CI Signature Select Canadian Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.26% 0.68% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 90

97 SunWise Essential CI Synergy American Segregated Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Synergy American Corporate and Signature Corporate Bond Corporate. The Underlying Funds are combined to hold about 70% in shares and 30% in bonds. Top holdings and allocations as of December 31, 2014 Synergy American Corporate Cash and Equivalents Apple Inc Discover Financial Services Thermo Fisher Scientific Inc Union Pacific Corp UnitedHealth Group Inc Wells Fargo & Co Honeywell International Inc Gilead Sciences Inc Bank of America Corp Signature Corporate Bond Corporate Cash and Equivalents 0.46 Total Total number of investments: 3 US Equity Foreign Bonds Domestic Bonds 9.05 International Equity 5.99 Cash and Equivalents 5.12 Income Trust Units 0.62 Canadian Equity 0.03 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 11.82% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.92% $ ,816 Income 2.50% $ ,860 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $980,306 CI Investments Inc. Portfolio turnover rate: 8.72% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 91

98 SunWise Essential CI Synergy American Segregated Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.92% 0.38% N/A N/A Estate 2.92% 0.38% 0.55% of Death Benefit Base Income 2.50% N/A 0.93% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 92

99 SunWise Essential CI Synergy American Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Synergy American Corporate. The Underlying Fund invests mostly in U.S. shares. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Cash and Equivalents 4.80 Apple Inc 3.39 Discover Financial Services 2.55 Thermo Fisher Scientific Inc 2.41 Union Pacific Corp 2.29 UnitedHealth Group Inc 2.09 Wells Fargo & Co 1.99 Honeywell International Inc 1.91 Gilead Sciences Inc 1.87 Bank of America Corp 1.84 Total Total number of investments: 92 US Equity International Equity 7.86 Cash and Equivalents 4.80 Income Trust Units 0.82 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 14.40% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit Units outstanding Investment / Estate 3.29% $ ,625 Income N/A N/A N/A What does the Fund invest in? September 2010 Total value on December 31, 2014: $64,546 Picton Mahoney Asset Management Portfolio turnover rate: 0.76% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 N/A Minimum investment additional purchases: $100 $100 N/A Monthly minimum of pre-authorized chequing: $50 $50 N/A Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in North American equity securities with high growth potential are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 93

100 SunWise Essential CI Synergy American Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.29% 0.68% N/A N/A Estate 3.29% N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 94

101 SunWise Essential CI Synergy Canadian Segregated Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Synergy Canadian Corporate and Signature Corporate Bond Corporate. The Underlying Funds are combined to hold about 70% in shares and 30% in bonds. Top holdings and allocations as of December 31, 2014 Synergy Canadian Corporate Royal Bank of Canada Cash and Equivalents Toronto-Dominion Bank Canadian National Railway Co Bank of Montreal Veresen Inc Bank of Nova Scotia Magna International Inc Canadian Tire Corp Ltd Manulife Financial Corp Signature Corporate Bond Corporate Cash and Equivalents 0.28 Total Total number of investments: 3 Canadian Equity US Equity Foreign Bonds International Equity Domestic Bonds Cash and Equivalents 3.81 Income Trust Units 0.75 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 6.67% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.92% $ ,847 Income 2.49% $ ,761 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $3,547,138 CI Investments Inc. Portfolio turnover rate: 11.26% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 95

102 SunWise Essential CI Synergy Canadian Segregated Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.92% 0.38% N/A N/A Estate 2.92% 0.38% 0.55% of Death Benefit Base Income 2.49% N/A 0.93% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 96

103 SunWise Essential CI Synergy Canadian Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the Synergy Canadian Corporate. The Underlying Fund invests mostly in Canadian shares. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Royal Bank of Canada 3.88 Cash and Equivalents 3.18 Toronto-Dominion Bank 3.11 Canadian National Railway Co 2.58 Bank of Montreal 2.45 Veresen Inc 2.03 Bank of Nova Scotia 1.92 Magna International Inc 1.81 Canadian Tire Corp Ltd 1.76 Manulife Financial Corp 1.75 Total Total number of investments: 280 Canadian Equity US Equity International Equity Cash and Equivalents 3.18 Income Trust Units 1.04 September 2010 Total value on December 31, 2014: $721,258 Picton Mahoney Asset Management Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 7.12% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Portfolio turnover rate: Net asset value per unit 5.27% Units outstanding Investment 3.24% $ ,580 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want a core Canadian equity fund are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 97

104 SunWise Essential CI Synergy Canadian Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.24% 0.68% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i-1. 98

105 SunWise Essential CI Synergy Global Segregated Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Synergy Global Corporate and Signature Corporate Bond Corporate. The Underlying Funds are combined to hold about 70% in shares and 30% in bonds. Top holdings and allocations as of December 31, 2014 Synergy Global Corporate Cash and Equivalents Apple Inc Discover Financial Services Thermo Fisher Scientific Inc Union Pacific Corp UnitedHealth Group Inc Wells Fargo & Co Honeywell International Inc Northrop Grumman Corp Gilead Sciences Inc Signature Corporate Bond Corporate Cash and Equivalents 0.47 Total Total number of investments: 3 US Equity International Equity Foreign Bonds Domestic Bonds Cash and Equivalents 5.08 Income Trust Units 0.35 Canadian Equity 0.03 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 9.93% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.94% $ ,181 Income 2.52% $ ,947 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $2,244,076 CI Investments Inc. Portfolio turnover rate: 14.53% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 99

106 SunWise Essential CI Synergy Global Segregated Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.94% 0.38% N/A N/A Estate 2.94% 0.38% 0.55% of Death Benefit Base Income 2.52% N/A 0.93% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

107 SunWise Essential CI Synergy Global Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the Synergy Global Corporate. The Underlying Fund invests mostly in shares of firms from around the world. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Cash and Equivalents 4.71 Apple Inc 1.99 Discover Financial Services 1.50 Thermo Fisher Scientific Inc 1.42 Union Pacific Corp 1.35 UnitedHealth Group Inc 1.23 Wells Fargo & Co 1.17 Honeywell International Inc 1.12 Northrop Grumman Corp 1.12 Gilead Sciences Inc 1.10 Total Total number of investments: 201 US Equity International Equity Cash and Equivalents 4.71 Income Trust Units 0.48 September 2010 Total value on December 31, 2014: $121,382 Picton Mahoney Asset Management Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 11.66% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Portfolio turnover rate: Net asset value per unit 8.36% Units outstanding Investment 3.28% $ ,561 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to add global momentum to a diversified portfolio and are comfortable investing outside of Canada are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 101

108 SunWise Essential CI Synergy Global Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.28% 0.68% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

109 SunWise Essential Dynamic Canadian Value Segregated Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Dynamic Canadian Value, Dynamic Global Dividend and Dynamic Canadian Bond Fund. The Underlying Funds are combined to hold about 70% in shares and 30% in bonds. Top holdings and allocations as of December 31, 2014 Dynamic Global Dividend Dynamic Canadian Value Dynamic Canadian Bond Fund Cash and Equivalents 0.16 Total Total number of investments: 4 US Equity Domestic Bonds Canadian Equity International Equity Cash and Equivalents 5.43 Foreign Bonds 0.48 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 5.59% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit Units outstanding Investment / Estate 3.26% $ ,414 Income 2.83% $ ,418,144 What does the Fund invest in? September 2010 Total value on December 31, 2014: $22,656,418 CI Investments Inc. Portfolio turnover rate: 12.77% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 103

110 SunWise Essential Dynamic Canadian Value Segregated Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.26% 0.40% N/A N/A Estate 3.26% 0.40% 0.55% of Death Benefit Base Income 2.83% N/A 0.95% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

111 SunWise Essential Dynamic Canadian Value Segregated Fund Quick facts: Date Fund created: Managed by: GCIC Ltd. What does the Fund invest in? The Fund invests in the Dynamic Canadian Value. The Underlying Fund invests mostly in Canadian shares. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Catamaran Corp 6.13 MEDNAX Inc 6.04 CGI Group Inc 5.81 Team Health Holdings Inc 4.97 Cash and Equivalents 4.22 MacDonald Dettwiler and Associates Ltd 3.62 Manulife Financial Corp 3.47 Quanta Services Inc 3.32 Google Inc 3.03 HCA Holdings Inc 2.65 Total Total number of investments: 68 US Equity Canadian Equity International Equity 4.35 Cash and Equivalents 4.22 September 2010 Total value on December 31, 2014: $1,661,134 Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 4.80% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Portfolio turnover rate: Net asset value per unit 12.08% Units outstanding Investment 3.63% $ ,822 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want a core Canadian equity fund are investing for the long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 105

112 SunWise Essential Dynamic Canadian Value Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.63% 0.70% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

113 SunWise Essential Dynamic Global Value Segregated Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Dynamic Global Value Fund, Dynamic Global Dividend and Dynamic Canadian Bond Fund. The Underlying Funds are combined to hold about 70% in shares and 30% in bonds. Top holdings and allocations as of December 31, 2014 Dynamic Global Dividend Dynamic Global Value Fund Dynamic Canadian Bond Fund Cash and Equivalents 0.40 Total Total number of investments: 4 International Equity US Equity Domestic Bonds Cash and Equivalents 5.96 Canadian Equity 0.77 Foreign Bonds 0.47 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 4.88% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit Units outstanding Investment / Estate 3.30% $ ,078 Income 2.83% $ ,438 What does the Fund invest in? September 2010 Total value on December 31, 2014: $9,935,539 CI Investments Inc. Portfolio turnover rate: 11.26% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 107

114 SunWise Essential Dynamic Global Value Segregated Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.30% 0.40% N/A N/A Estate 3.30% 0.40% 0.55% of Death Benefit Base Income 2.83% N/A 0.95% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

115 SunWise Essential Dynamic Global Value Segregated Fund Quick facts: Date Fund created: Managed by: GCIC Ltd. What does the Fund invest in? The Fund invests in the Dynamic Global Value Fund. The Underlying Fund invests mostly in shares of firms from around the world. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Cash and Equivalents 4.95 Bank of Ireland 3.13 Chailease Holding Co Ltd 2.94 Smiles SA 2.92 Berkeley Group Holdings PLC 2.80 LIC Housing Finance Ltd 2.73 BorgWarner Inc 2.71 MediaTek Inc 2.61 Signet Jewelers Ltd 2.52 NU Skin Enterprises Inc 2.45 Total Total number of investments: 61 International Equity US Equity Cash and Equivalents 4.95 Canadian Equity 2.12 September 2010 Total value on December 31, 2014: $913,790 Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 2.31% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value two years and down in value two years. % Portfolio turnover rate: Net asset value per unit 10.58% Units outstanding Investment 3.66% $ ,817 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want long-term capital growth are investing for the long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 109

116 SunWise Essential Dynamic Global Value Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.66% 0.70% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

117 SunWise Essential Fidelity American Disciplined Equity Segregated Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Fidelity American Disciplined Equity Fund and Fidelity Canadian Bond Fund. The Underlying Funds are combined to hold about 70% in shares and 30% in bonds. Top holdings and allocations as of December 31, 2014 Fidelity American Disciplined Equity Fund Microsoft Corp Chevron Corp Google Inc Citigroup Inc Apple Inc Bank of America Corp Comcast Corp Qualcomm Inc Facebook Inc Valeant Pharmaceuticals International Inc Fidelity Canadian Bond Fund Cash and Equivalents 0.05 Total Total number of investments: 3 US Equity Domestic Bonds International Equity 4.57 Cash and Equivalents 2.12 Canadian Equity 1.33 Foreign Bonds 0.06 Other 0.04 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 10.85% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 3.22% $ ,579 Income 2.81% $ ,913 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $7,822,253 CI Investments Inc. Portfolio turnover rate: 20.29% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 111

118 SunWise Essential Fidelity American Disciplined Equity Segregated Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.22% 0.40% N/A N/A Estate 3.22% 0.40% 0.55% of Death Benefit Base Income 2.81% N/A 0.95% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

119 SunWise Essential Fidelity American Disciplined Equity Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the Fidelity American Disciplined Equity Fund. The Underlying Fund invests mostly in U.S. shares. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Microsoft Corp 3.48 Chevron Corp 2.83 Google Inc 2.78 Citigroup Inc 2.65 Apple Inc 2.64 Bank of America Corp 2.58 Comcast Corp 2.40 Qualcomm Inc 2.28 Valeant Pharmaceuticals International Inc 1.86 Facebook Inc 1.86 Total Total number of investments: 82 US Equity International Equity 6.38 Canadian Equity 1.86 Cash and Equivalents 1.71 September 2010 Total value on December 31, 2014: $1,364,172 Fidelity Investments Canada ULC Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 14.39% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Portfolio turnover rate: Net asset value per unit 24.51% Units outstanding Investment 3.52% $ ,637 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want an U.S. equity fund are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 113

120 SunWise Essential Fidelity American Disciplined Equity Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.52% 0.70% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

121 SunWise Essential Fidelity Canadian Asset Allocation Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Fidelity Canadian Asset Allocation Fund. The Underlying Fund invests mostly in Canadian shares and bonds. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Cash and Equivalents 9.40 S&P 500 Emini Index Futures 4.83 Royal Bank of Canada 3.74 Toronto-Dominion Bank 3.43 Enbridge Inc 2.90 ishares Core S&P 500 Index ETF 2.58 Constellation Software Inc 2.08 Canadian Natural Resources Ltd 1.91 Loblaw Cos Ltd 1.51 Bank of Nova Scotia 1.44 Total Total number of investments: 1057 Canadian Equity Domestic Bonds Cash and Equivalents 9.40 US Equity 9.20 Other 5.90 International Equity 4.91 Foreign Bonds 3.46 Income Trust Units 1.58 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 4.54% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 3.18% $ ,677 Income 2.80% $ ,740,157 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in a diversified portfolio of equity and income in a single fund are investing for the long term September 2010 Total value on December 31, 2014: $33,349,094 Fidelity Investments Canada ULC Portfolio turnover rate: 10.72% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 115

122 SunWise Essential Fidelity Canadian Asset Allocation Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.18% 0.35% N/A N/A Estate 3.18% 0.35% 0.45% of Death Benefit Base Income 2.80% N/A 0.80% of LWA Base 0.65% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

123 SunWise Essential Fidelity Disciplined Segregated Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Fidelity Canadian Disciplined Equity Fund, Fidelity Canadian Bond Fund and Fidelity Global Disciplined Equity Fund. The Underlying Funds are combined to hold about 70% in shares and 30% in bonds. Top holdings and allocations as of December 31, 2014 Fidelity Canadian Disciplined Equity Fund Fidelity Canadian Bond Fund Fidelity Global Disciplined Equity Fund Cash and Equivalents 0.36 Total Total number of investments: 4 Canadian Equity Domestic Bonds US Equity International Equity 8.69 Cash and Equivalents 3.47 Income Trust Units 1.08 Other 0.12 Foreign Bonds 0.06 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 5.71% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 3.26% $ ,887 Income 2.79% $ ,159 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $8,931,427 CI Investments Inc. Portfolio turnover rate: 7.93% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 117

124 SunWise Essential Fidelity Disciplined Segregated Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.26% 0.40% N/A N/A Estate 3.26% 0.40% 0.55% of Death Benefit Base Income 2.79% N/A 0.95% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

125 SunWise Essential Fidelity Global Asset Allocation Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Fidelity Global Asset Allocation Fund. The Underlying Fund invests mostly in shares and bonds of firms from around the world. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Cash and Equivalents 8.57 Apple Inc 1.77 Microsoft Corp 1.74 Johnson & Johnson 1.56 Wal-Mart Stores Inc 1.49 China Pacific Insurance Group Co Ltd 1.47 United States Treasury 0.88 % 15-Oct Citigroup Inc 1.35 Roche Holding AG 1.34 Toyota Motor Corp 1.29 Total Total number of investments: 1077 US Equity International Equity Foreign Bonds Cash and Equivalents 8.57 Other 2.35 Canadian Equity 1.25 Domestic Bonds 0.77 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 7.02% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 3.21% $ ,890 Income 2.82% $ ,456 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in a diversified portfolio of equity and income are investing for the long term September 2010 Total value on December 31, 2014: $3,089,703 Fidelity Investments Canada ULC Portfolio turnover rate: 11.28% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 119

126 SunWise Essential Fidelity Global Asset Allocation Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.21% 0.35% N/A N/A Estate 3.21% 0.35% 0.45% of Death Benefit Base Income 2.82% N/A 0.80% of LWA Base 0.65% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

127 SunWise Essential Fidelity NorthStar Segregated Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Fidelity NorthStar Fund and Fidelity Canadian Bond Fund. The Underlying Funds are combined to hold about 70% in shares and 30% in bonds. Top holdings and allocations as of December 31, 2014 Fidelity NorthStar Fund Cash and Equivalents Anthem Inc Ottogi Corp Seria Co Ltd TRW Automotive Holdings Corp International Business Machines Corp Safeway Inc Cubist Pharmaceuticals Inc Dresser-Rand Group Inc Avanir Pharmaceuticals Inc Fidelity Canadian Bond Fund Cash and Equivalents 0.97 Total Total number of investments: 3 International Equity US Equity Domestic Bonds Cash and Equivalents Canadian Equity 1.29 Foreign Bonds 0.82 Other 0.04 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 9.64% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 3.20% $ ,548 Income 2.79% $ ,074 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $9,552,682 CI Investments Inc. Portfolio turnover rate: 26.95% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 121

128 SunWise Essential Fidelity NorthStar Segregated Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.20% 0.40% N/A N/A Estate 3.20% 0.40% 0.55% of Death Benefit Base Income 2.79% N/A 0.95% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

129 SunWise Essential Fidelity NorthStar Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the Fidelity NorthStar Fund. The Underlying Fund invests mostly in shares of firms from around the world. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Cash and Equivalents Anthem Inc 6.05 Ottogi Corp 3.61 Seria Co Ltd 2.97 International Business Machines Corp 2.04 TRW Automotive Holdings Corp 2.04 Safeway Inc 1.99 Cubist Pharmaceuticals Inc 1.91 Dresser-Rand Group Inc 1.90 Avanir Pharmaceuticals Inc 1.80 Total Total number of investments: 432 International Equity US Equity Cash and Equivalents Canadian Equity 1.61 Foreign Bonds 0.98 Other 0.09 September 2010 Total value on December 31, 2014: $777,311 Fidelity Investments Canada ULC Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 12.22% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Portfolio turnover rate: Net asset value per unit 15.69% Units outstanding Investment 3.61% $ ,384 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want a foreign equity fund are investing for the long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 123

130 SunWise Essential Fidelity NorthStar Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.61% 0.70% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

131 SunWise Essential Fidelity True North Segregated Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Fidelity True North Fund and Fidelity Canadian Bond Fund. The Underlying Funds are combined to hold about 70% in shares and 30% in bonds. Top holdings and allocations as of December 31, 2014 Fidelity True North Fund Cash and Equivalents Toronto-Dominion Bank Loblaw Cos Ltd Canadian National Railway Co CGI Group Inc Manulife Financial Corp Alimentation Couche-Tard Inc Suncor Energy Inc Enbridge Inc Power Corp of Canada Fidelity Canadian Bond Fund Cash and Equivalents 0.38 Total Total number of investments: 3 Canadian Equity Domestic Bonds Cash and Equivalents 7.14 US Equity 4.21 International Equity 1.45 Income Trust Units 0.27 Foreign Bonds 0.05 Other 0.04 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 7.15% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 3.19% $ ,719 Income 2.78% $ ,668 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $14,577,477 CI Investments Inc. Portfolio turnover rate: 9.09% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 125

132 SunWise Essential Fidelity True North Segregated Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.19% 0.40% N/A N/A Estate 3.19% 0.40% 0.55% of Death Benefit Base Income 2.78% N/A 0.95% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

133 SunWise Essential Fidelity True North Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the Fidelity True North Fund. The Underlying Fund invests mostly in Canadian shares. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Cash and Equivalents 8.01 Toronto-Dominion Bank 7.56 Loblaw Cos Ltd 4.62 Canadian National Railway Co 3.87 CGI Group Inc 3.79 Manulife Financial Corp 3.68 Alimentation Couche-Tard Inc 3.61 Suncor Energy Inc 3.14 Enbridge Inc 2.74 Power Corp of Canada 2.64 Total Total number of investments: 90 Canadian Equity Cash and Equivalents 8.01 US Equity 5.55 International Equity 1.91 Income Trust Units 0.35 Domestic Bonds 0.23 September 2010 Total value on December 31, 2014: $1,992,279 Fidelity Investments Canada ULC Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 8.05% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Portfolio turnover rate: Net asset value per unit 5.18% Units outstanding Investment 3.56% $ ,869 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want a Canadian equity fund are investing for the long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 127

134 SunWise Essential Fidelity True North Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.56% 0.70% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

135 SunWise Essential Franklin Templeton Bissett Canadian Equity Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the Franklin Bissett Canadian Equity Fund. The Underlying Fund invests mostly in Canadian shares. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Canadian National Railway Co 5.48 Brookfield Asset Management Inc 5.46 Royal Bank of Canada 4.90 Canadian Imperial Bank of Commerce 4.89 Toronto-Dominion Bank 4.85 Bank of Nova Scotia 4.26 Bank of Montreal 4.17 Enbridge Inc 4.10 Thomson Reuters Corp 4.10 MacDonald Dettwiler and Associates Ltd 3.07 Total Total number of investments: 50 Canadian Equity US Equity 4.10 September 2010 Total value on December 31, 2014: $28,949 Franklin Templeton Investments Corp. Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 3.69% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Portfolio turnover rate: Net asset value per unit 5.80% Units outstanding Investment 3.47% $ ,478 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want a well diversified Canadian equity holding are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 129

136 SunWise Essential Franklin Templeton Bissett Canadian Equity Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.47% 0.70% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

137 SunWise Essential Franklin Templeton Quotential Balanced Growth Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Franklin Quotential Balanced Growth Portfolio. The Underlying Fund invests mostly in Canadian shares and bonds. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Franklin Bissett Bond Fund Franklin Bissett Canadian Equity Fund 6.30 Templeton Global Bond Fund 6.16 FTIF Franklin Mutual European Fund 6.12 Franklin U.S. Core Equity Fund 6.10 Templeton Asian Growth Corporate 5.58 Franklin Flex Cap Growth Fund 5.39 WisdomTree Japan Hedged Equity Fund ETF 4.84 Franklin Bissett All Canadian Focus Fund 4.68 Franklin U.S. Rising Dividends Fund 4.54 Total Total number of investments: 28 International Equity US Equity Canadian Equity Domestic Bonds Foreign Bonds Cash and Equivalents 3.50 Other 0.44 Income Trust Units 0.06 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 5.14% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 3.11% $ ,320 Income 2.70% $ ,876 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want a well diversified balanced holding are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $11,875,541 Fiduciary Trust Company of Canada Portfolio turnover rate: 2.80% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 131

138 SunWise Essential Franklin Templeton Quotential Balanced Growth Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.11% 0.35% N/A N/A Estate 3.11% 0.35% 0.45% of Death Benefit Base Income 2.70% N/A 0.80% of LWA Base 0.65% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

139 SunWise Essential Franklin Templeton Quotential Balanced Income Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Franklin Quotential Balanced Income Portfolio. The Underlying Fund invests mostly in Canadian shares and bonds. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Franklin Bissett Bond Fund Templeton Global Bond Fund 9.23 Franklin Bissett Canadian Equity Fund 4.79 Franklin U.S. Core Equity Fund 4.66 FTIF Franklin Mutual European Fund 4.66 Templeton Asian Growth Corporate 4.24 Franklin Flex Cap Growth Fund 4.09 ishares Barclays Intermediate Credit Bond ETF 3.83 WisdomTree Japan Hedged Equity Fund ETF 3.65 Franklin Bissett All Canadian Focus Fund 3.55 Total Total number of investments: 28 Domestic Bonds International Equity Foreign Bonds US Equity Canadian Equity Cash and Equivalents 4.99 Other 0.35 Income Trust Units 0.05 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 4.58% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 3.00% $ ,174 Income 2.70% $ ,303 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want a well diversified balanced holding are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $6,838,000 Fiduciary Trust Company of Canada Portfolio turnover rate: 4.84% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 133

140 SunWise Essential Franklin Templeton Quotential Balanced Income Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.00% 0.30% N/A N/A Estate 3.00% 0.30% 0.45% of Death Benefit Base Income 2.70% N/A 0.75% of LWA Base 0.45% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

141 SunWise Essential Franklin Templeton Quotential Diversified Equity Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the Franklin Quotential Diversified Equity Portfolio. The Underlying Fund invests mostly in shares of firms from around the world. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Franklin Mutual Global Discovery Fund Franklin World Growth Fund 9.22 Templeton Asian Growth Corporate 8.17 Franklin U.S. Core Equity Fund 7.74 Templeton International Stock Fund 7.65 WisdomTree Japan Hedged Equity Fund ETF 6.85 Franklin Flex Cap Growth Fund 6.84 FTIF Franklin Mutual European Fund 6.60 Franklin U.S. Rising Dividends Fund 5.79 Franklin Bissett Canadian Equity Fund 4.91 Total Total number of investments: 22 International Equity US Equity Canadian Equity 8.63 Foreign Bonds 0.67 Cash and Equivalents 0.65 Income Trust Units 0.07 September 2010 Total value on December 31, 2014: $72,843 Fiduciary Trust Company of Canada Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 7.56% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Portfolio turnover rate: Net asset value per unit 3.82% Units outstanding Investment 3.57% $ ,329 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want a well diversified equity holding are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 135

142 SunWise Essential Franklin Templeton Quotential Diversified Equity Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.57% 0.70% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

143 SunWise Essential Franklin Templeton Quotential Diversified Income Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Franklin Quotential Diversified Income Portfolio. The Underlying Fund invests mostly in Canadian bonds. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Franklin Bissett Bond Fund Templeton Global Bond Fund ishares Barclays Intermediate Credit Bond ETF 8.12 Franklin Bissett Canadian Short Term Bond Fund 6.59 Franklin Strategic Income Fund 6.33 FTIF Franklin Mutual European Fund 5.55 Franklin U.S. Rising Dividends Fund 5.47 Franklin Bissett Canadian Dividend Fund 3.92 Templeton Emerging Markets Fund 3.11 Franklin Bissett Canadian High Dividend Fund 3.01 Total Total number of investments: 17 Domestic Bonds Foreign Bonds International Equity US Equity 8.11 Canadian Equity 7.76 Cash and Equivalents 7.18 Income Trust Units 0.75 Other 0.55 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 4.04% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value four years. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.88% $ ,508 Income 2.69% $ ,421 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want a well diversified high income holding are investing for the medium term September 2010 Total value on December 31, 2014: $14,203,831 Fiduciary Trust Company of Canada Portfolio turnover rate: 8.35% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 137

144 SunWise Essential Franklin Templeton Quotential Diversified Income Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.88% 0.20% N/A N/A Estate 2.88% 0.20% 0.40% of Death Benefit Base Income 2.69% N/A 0.60% of LWA Base 0.40% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

145 SunWise Essential Franklin Templeton Quotential Growth Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the Franklin Quotential Growth Portfolio. The Underlying Fund invests mostly in shares of firms from around the world. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Franklin Bissett Bond Fund Templeton Asian Growth Corporate 7.05 Franklin U.S. Core Equity Fund 6.97 FTIF Franklin Mutual European Fund 6.88 Franklin Bissett Canadian Equity Fund 6.30 Franklin Flex Cap Growth Fund 6.30 WisdomTree Japan Hedged Equity Fund ETF 5.51 Franklin U.S. Rising Dividends Fund 5.33 Franklin Bissett All Canadian Focus Fund 4.62 SPDR DJ Euro Stoxx 50 ETF 4.16 Total Total number of investments: 30 International Equity US Equity Canadian Equity Domestic Bonds 9.24 Foreign Bonds 7.11 Cash and Equivalents 2.23 Other 0.39 Income Trust Units 0.08 Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want a well diversified equity holding are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $125,275 Fiduciary Trust Company of Canada Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 5.73% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % How risky is it? Very low Portfolio turnover rate: Net asset value per unit Low Low to moderate 2.05% Units outstanding Investment 3.31% $ ,865 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 139

146 SunWise Essential Franklin Templeton Quotential Growth Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.31% 0.50% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

147 SunWise Essential Franklin Templeton Quotential Maximum Growth Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the Franklin Quotential Diversified Equity Portfolio. The Underlying Fund invests mostly in shares of firms from around the world. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Franklin Mutual Global Discovery Fund Franklin World Growth Fund 9.22 Templeton Asian Growth Corporate 8.17 Franklin U.S. Core Equity Fund 7.74 Templeton International Stock Fund 7.65 WisdomTree Japan Hedged Equity Fund ETF 6.85 Franklin Flex Cap Growth Fund 6.84 FTIF Franklin Mutual European Fund 6.60 Franklin U.S. Rising Dividends Fund 5.79 Franklin Bissett Canadian Equity Fund 4.91 Total Total number of investments: 22 International Equity US Equity Canadian Equity 8.63 Foreign Bonds 0.67 Cash and Equivalents 0.65 Income Trust Units 0.07 September 2010 Total value on December 31, 2014: $167,048 Fiduciary Trust Company of Canada Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 6.40% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Portfolio turnover rate: Net asset value per unit 3.58% Units outstanding Investment 3.35% $ ,802 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want a well diversified equity holding are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 141

148 SunWise Essential Franklin Templeton Quotential Maximum Growth Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.35% 0.70% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

149 SunWise Essential Franklin Templeton Quotential Select Balanced Income Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Franklin Quotential Balanced Income Portfolio. The Underlying Fund invests mostly in shares and bonds of firms from around the world. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Franklin Bissett Bond Fund Templeton Global Bond Fund 9.23 Franklin Bissett Canadian Equity Fund 4.79 Franklin U.S. Core Equity Fund 4.66 FTIF Franklin Mutual European Fund 4.66 Templeton Asian Growth Corporate 4.24 Franklin Flex Cap Growth Fund 4.09 ishares Barclays Intermediate Credit Bond ETF 3.83 WisdomTree Japan Hedged Equity Fund ETF 3.65 Franklin Bissett All Canadian Focus Fund 3.55 Total Total number of investments: 28 Domestic Bonds International Equity Foreign Bonds US Equity Canadian Equity Cash and Equivalents 4.99 Other 0.35 Income Trust Units 0.05 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 5.36% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 3.02% $ ,676 Income 2.78% $ ,242 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want a well diversified balanced holding are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $4,176,176 Fiduciary Trust Company of Canada Portfolio turnover rate: 6.84% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 143

150 SunWise Essential Franklin Templeton Quotential Select Balanced Income Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.02% 0.30% N/A N/A Estate 3.02% 0.30% 0.45% of Death Benefit Base Income 2.78% N/A 0.75% of LWA Base 0.45% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

151 SunWise Essential Portfolio Select 100e Managed Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the Select 100e Managed Portfolio Corporate. The Underlying Fund invests mostly in shares. Top holdings and allocations of the Underlying Fund as of December 31, 2014 CI Select U.S. Equity Managed Fund CI Select International Equity Managed Fund CI Select Canadian Equity Managed Fund CI Harbour Fund 6.59 Cash and Equivalents 1.51 Total Total number of investments: 5 US Equity International Equity Canadian Equity Cash and Equivalents 5.78 Income Trust Units 0.75 Domestic Bonds 0.18 September 2010 Total value on December 31, 2014: $30,413 CI Investments Inc. Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 8.69% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Portfolio turnover rate: Net asset value per unit 0.00% Units outstanding Investment 3.25% $ ,033 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in equity securities are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 145

152 SunWise Essential Portfolio Select 100e Managed Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.25% 0.66% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

153 SunWise Essential Portfolio Select 100i Managed Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Select Income Managed Corporate. The Underlying Fund invests mostly in bonds. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Cash and Equivalents United States Treasury Note/Bond 1.50 % 30-Nov Hsbc Bank Canada 2.57 % 23-Nov Ontario Province 4.20 % 02-Jun Bank of Nova Scotia 2.10 % 08-Nov Quebec Province 4.50 % 01-Dec Canada Government 1.50 % 01-Feb Canada Government 5.00 % 01-Jun Ontario Province 2.10 % 08-Sep Toronto-Dominion Bank FRN 30-Oct Total Total number of investments: 925 Domestic Bonds Foreign Bonds Cash and Equivalents US Equity 7.73 International Equity 6.20 Canadian Equity 5.24 Income Trust Units 1.72 Other 0.65 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 3.87% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value four years. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.64% $ ,810 Income 2.50% $ ,292 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in fixed income are investing for the short and/or medium term September 2010 Total value on December 31, 2014: $934,486 CI Investments Inc. Portfolio turnover rate: 28.61% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 147

154 SunWise Essential Portfolio Select 100i Managed Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.64% 0.16% N/A N/A Estate 2.64% 0.16% 0.35% of Death Benefit Base Income 2.50% N/A 0.51% of LWA Base 0.30% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

155 SunWise Essential Portfolio Select 20i80e Managed Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the Select 20i80e Managed Portfolio Corporate. The Underlying Fund invests about 80% in shares and 20% in bonds. Top holdings and allocations of the Underlying Fund as of December 31, 2014 CI Select U.S. Equity Managed Fund CI Select International Equity Managed Fund CI Select Canadian Equity Managed Fund CI Income Fund CI Harbour Fund 5.30 Cash and Equivalents 1.95 Total Total number of investments: 6 US Equity International Equity Canadian Equity Cash and Equivalents 9.32 Domestic Bonds 6.58 Foreign Bonds 4.78 Income Trust Units 0.90 Other 0.12 Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in a diversified portfolio of equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $28,861 CI Investments Inc. Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 7.96% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % How risky is it? Very low Portfolio turnover rate: Net asset value per unit option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. Low Low to moderate 0.00% Units outstanding Investment 3.03% $ ,009 Estate N/A N/A N/A Income N/A N/A N/A to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 149

156 SunWise Essential Portfolio Select 20i80e Managed Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.03% 0.46% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

157 SunWise Essential Portfolio Select 30i70e Managed Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Select 30i70e Managed Portfolio Corporate. The Underlying Fund invests about 70% in shares and 30% in bonds. Top holdings and allocations of the Underlying Fund as of December 31, 2014 CI Income Fund CI Select U.S. Equity Managed Fund CI Select International Equity Managed Fund CI Select Canadian Equity Managed Fund CI Harbour Fund 4.91 Cash and Equivalents 1.61 Total Total number of investments: 6 US Equity Canadian Equity International Equity Cash and Equivalents Domestic Bonds 9.83 Foreign Bonds 7.21 Income Trust Units 1.00 Other 0.17 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 7.87% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.91% $ ,719 Income 2.51% $ ,121,583 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in a diversified portfolio of equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $48,663,259 CI Investments Inc. Portfolio turnover rate: option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. 3.64% to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 151

158 SunWise Essential Portfolio Select 30i70e Managed Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.91% 0.36% N/A N/A Estate 2.91% 0.36% 0.45% of Death Benefit Base Income 2.51% N/A 0.81% of LWA Base 0.62% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

159 SunWise Essential Portfolio Select 40i60e Managed Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Select 40i60e Managed Portfolio Corporate. The Underlying Fund invests about 60% in shares and 40% in bonds. Top holdings and allocations of the Underlying Fund as of December 31, 2014 CI Income Fund CI Select U.S. Equity Managed Fund CI Select International Equity Managed Fund CI Select Canadian Equity Managed Fund CI Harbour Fund 4.04 Cash and Equivalents 1.50 Total Total number of investments: 6 US Equity International Equity Canadian Equity Domestic Bonds Cash and Equivalents Foreign Bonds 9.71 Income Trust Units 1.07 Other 0.23 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 7.04% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.86% $ ,298 Income 2.53% $ ,833 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in a diversified portfolio of equity securities and, to a lesser extent, income securities are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $10,389,025 CI Investments Inc. Portfolio turnover rate: 10.80% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 153

160 SunWise Essential Portfolio Select 40i60e Managed Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.86% 0.31% N/A N/A Estate 2.86% 0.31% 0.45% of Death Benefit Base Income 2.53% N/A 0.76% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

161 SunWise Essential Portfolio Select 50i50e Managed Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Select 50i50e Managed Portfolio Corporate. The Underlying Fund invests about 50% in bonds and 50% in shares. Top holdings and allocations of the Underlying Fund as of December 31, 2014 CI Income Fund CI Select U.S. Equity Managed Fund CI Select International Equity Managed Fund CI Select Canadian Equity Managed Fund CI Harbour Fund 3.61 Cash and Equivalents 1.79 Total Total number of investments: 6 US Equity Canadian Equity International Equity Domestic Bonds Cash and Equivalents Foreign Bonds Income Trust Units 1.16 Other 0.29 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 6.65% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.83% $ ,647 Income 2.51% $ ,275 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in a diversified portfolio split approximately equally between income and equity securities, designed for steady, long-term growth are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $9,050,051 CI Investments Inc. Portfolio turnover rate: option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. 2.66% to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 155

162 SunWise Essential Portfolio Select 50i50e Managed Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.83% 0.31% N/A N/A Estate 2.83% 0.31% 0.45% of Death Benefit Base Income 2.51% N/A 0.76% of LWA Base 0.40% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

163 SunWise Essential Portfolio Select 60i40e Managed Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Select 60i40e Managed Portfolio Corporate. The Underlying Fund invests about 60% in bonds and 40% in shares. Top holdings and allocations of the Underlying Fund as of December 31, 2014 CI Income Fund Cash and Equivalents United States Treasury Note/Bond 1.50 % 30-Nov-2019 Hsbc Bank Canada 2.57 % 23-Nov-2015 Ontario Province 4.20 % 02-Jun-2020 Bank of Nova Scotia 2.10 % 08-Nov-2016 Quebec Province 4.50 % 01-Dec-2019 Canada Government 1.50 % 01-Feb-2017 Canada Government 5.00 % 01-Jun-2037 Ontario Province 2.10 % 08-Sep-2018 Toronto-Dominion Bank FRN 30-Oct-2104 CI Select U.S. Equity Managed Fund CI Select International Equity Managed Fund CI Select Canadian Equity Managed Fund CI Harbour Fund 2.74 Cash and Equivalents 1.51 Total Total number of investments: 6 Domestic Bonds US Equity Cash and Equivalents International Equity Foreign Bonds Canadian Equity Other 1.59 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 6.06% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.81% $ ,110 Income 2.53% $ ,227 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in a diversified portfolio of income and equity securities designed for steady, long-term growth are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $2,921,434 CI Investments Inc. Portfolio turnover rate: option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details % to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder.

164 SunWise Essential Portfolio Select 60i40e Managed Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.81% 0.26% N/A N/A Estate 2.81% 0.26% 0.45% of Death Benefit Base Income 2.53% N/A 0.71% of LWA Base 0.40% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

165 SunWise Essential Portfolio Select 70i30e Managed Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Select 70i30e Managed Portfolio Corporate. The Underlying Fund invests about 70% in bonds and 30% in shares. Top holdings and allocations of the Underlying Fund as of December 31, 2014 CI Income Fund Cash and Equivalents United States Treasury Note/Bond 1.50 % 30-Nov-2019 Hsbc Bank Canada 2.57 % 23-Nov-2015 Ontario Province 4.20 % 02-Jun-2020 Bank of Nova Scotia 2.10 % 08-Nov-2016 Quebec Province 4.50 % 01-Dec-2019 Canada Government 1.50 % 01-Feb-2017 Canada Government 5.00 % 01-Jun-2037 Ontario Province 2.10 % 08-Sep-2018 Toronto-Dominion Bank FRN 30-Oct-2104 CI Select U.S. Equity Managed Fund CI Select Canadian Equity Managed Fund 8.67 CI Select International Equity Managed Fund 8.62 CI Harbour Fund 2.26 Cash and Equivalents 1.92 Total Total number of investments: 6 Domestic Bonds Cash and Equivalents Foreign Bonds US Equity International Equity Canadian Equity Other 1.74 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 5.48% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.81% $ ,951 Income 2.51% $ ,274 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to receive income and are seeking modest capital growth are investing for the medium term September 2010 Total value on December 31, 2014: $4,586,079 CI Investments Inc. Portfolio turnover rate: 19.66% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. 159 to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder.

166 SunWise Essential Portfolio Select 70i30e Managed Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.81% 0.26% N/A N/A Estate 2.81% 0.26% 0.40% of Death Benefit Base Income 2.51% N/A 0.66% of LWA Base 0.35% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

167 SunWise Essential Portfolio Select 80i20e Managed Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Select 80i20e Managed Portfolio Corporate. The Underlying Fund invests about 80% in bonds and 20% in shares. Top holdings and allocations of the Underlying Fund as of December 31, 2014 CI Income Fund Cash and Equivalents United States Treasury Note/Bond 1.50 % 30-Nov-2019 Hsbc Bank Canada 2.57 % 23-Nov-2015 Ontario Province 4.20 % 02-Jun-2020 Bank of Nova Scotia 2.10 % 08-Nov-2016 Quebec Province 4.50 % 01-Dec-2019 Canada Government 1.50 % 01-Feb-2017 Canada Government 5.00 % 01-Jun-2037 Ontario Province 2.10 % 08-Sep-2018 Toronto-Dominion Bank FRN 30-Oct-2104 CI Select U.S. Equity Managed Fund 7.52 CI Select International Equity Managed Fund 5.84 CI Select Canadian Equity Managed Fund 5.57 Cash and Equivalents 1.47 CI Harbour Fund 1.46 Total Total number of investments: 6 Domestic Bonds Foreign Bonds Cash and Equivalents US Equity International Equity Canadian Equity 9.71 Other 1.88 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 5.00% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value four years. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.72% $ ,934 Income 2.53% $ ,528 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to receive income and are seeking conservative capital growth are investing for the short and/or medium term September 2010 Total value on December 31, 2014: $1,182,551 CI Investments Inc. Portfolio turnover rate: 11.16% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. 161 to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder.

168 SunWise Essential Portfolio Select 80i20e Managed Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.72% 0.21% N/A N/A Estate 2.72% 0.21% 0.35% of Death Benefit Base Income 2.53% N/A 0.56% of LWA Base 0.35% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

169 SunWise Essential Portfolio Series Balanced Growth Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Portfolio Series Balanced Growth Fund. The Underlying Fund invests mostly in shares and bonds of firms from around the world. Top holdings and allocations of the Underlying Fund as of December 31, 2014 CI Signature Canadian Bond Fund CI Signature Select Canadian Corporate 6.88 CI Cambridge Canadian Equity Corporate 6.66 CI Cambridge Global Equity Corporate 5.93 CI Harbour Corporate 5.65 CI American Managers Corporate 5.54 CI American Value Corporate 5.32 CI Canadian Investment Corporate 4.54 CI Black Creek International Equity Corporate 4.44 Cash and Equivalents 4.08 Total Total number of investments: 22 US Equity International Equity Canadian Equity Cash and Equivalents Domestic Bonds Foreign Bonds 7.92 Income Trust Units 0.68 Other 0.23 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 7.78% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.85% $ ,593 Income 2.51% $ ,319,158 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want moderate long-term capital growth are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $108,447,569 CI Investments Inc. Portfolio turnover rate: option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. 8.15% to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 163

170 SunWise Essential Portfolio Series Balanced Growth Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.85% 0.31% N/A N/A Estate 2.85% 0.31% 0.45% of Death Benefit Base Income 2.51% N/A 0.76% of LWA Base 0.65% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

171 SunWise Essential Portfolio Series Balanced Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Portfolio Series Balanced Fund. The Underlying Fund invests mostly in shares and bonds of firms from around the world. Top holdings and allocations of the Underlying Fund as of December 31, 2014 CI Signature Canadian Bond Fund CI Signature Global Bond Fund 6.36 CI Signature Select Canadian Corporate 6.14 CI Cambridge Canadian Equity Corporate 5.75 CI Signature Diversified Yield II Fund 5.70 CI Signature International Corporate 5.08 CI American Managers Corporate 5.02 CI Cambridge Global Equity Corporate 4.97 CI American Value Corporate 4.95 CI International Value Corporate 4.95 Total Total number of investments: 21 US Equity International Equity Canadian Equity Domestic Bonds Foreign Bonds Cash and Equivalents Income Trust Units 1.23 Other 0.20 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 7.67% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.85% $ ,252,076 Income 2.51% $ ,710,670 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want growth and income while diversifying risk are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $103,086,490 CI Investments Inc. Portfolio turnover rate: 6.89% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 165

172 SunWise Essential Portfolio Series Balanced Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.85% 0.31% N/A N/A Estate 2.85% 0.31% 0.45% of Death Benefit Base Income 2.51% N/A 0.76% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

173 SunWise Essential Portfolio Series Conservative Balanced Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Portfolio Series Conservative Balanced Fund. The Underlying Fund invests mostly in bonds and shares of firms from around the world. Top holdings and allocations of the Underlying Fund as of December 31, 2014 CI Signature Canadian Bond Fund CI Signature Global Bond Fund 7.85 CI Signature Corporate Bond Fund 7.42 CI Signature Diversified Yield II Fund 6.15 CI Cambridge Canadian Equity Corporate 5.50 CI Signature Select Canadian Corporate 5.18 CI American Value Corporate 5.11 Cash and Equivalents 4.50 CI Cambridge Income Corporate 4.45 CI American Managers Corporate 4.19 Total Total number of investments: 19 US Equity Domestic Bonds Foreign Bonds International Equity Cash and Equivalents Canadian Equity Income Trust Units 1.37 Other 0.17 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 6.63% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.88% $ ,389,649 Income 2.54% $ ,087,555 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want returns with lower than average volatility are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $50,569,790 CI Investments Inc. Portfolio turnover rate: option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. 6.09% to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 167

174 SunWise Essential Portfolio Series Conservative Balanced Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.88% 0.31% N/A N/A Estate 2.88% 0.31% 0.45% of Death Benefit Base Income 2.54% N/A 0.76% of LWA Base 0.40% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

175 SunWise Essential Portfolio Series Conservative Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Portfolio Series Conservative Fund. The Underlying Fund invests mostly in bonds and shares of firms from around the world. Top holdings and allocations of the Underlying Fund as of December 31, 2014 CI Signature Canadian Bond Fund CI Signature Global Bond Fund CI Signature Corporate Bond Fund 7.59 CI Signature Diversified Yield II Fund 7.27 CI American Value Corporate 6.10 CI Cambridge Income Corporate 5.57 Cash and Equivalents 5.23 CI Signature Select Canadian Corporate 5.20 CI Synergy Canadian Corporate 5.10 CI Signature High Income Fund 4.70 Total Total number of investments: 17 Domestic Bonds US Equity Foreign Bonds Cash and Equivalents International Equity Canadian Equity 9.99 Income Trust Units 1.66 Other 0.17 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 6.55% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.81% $ ,370,628 Income 2.52% $ ,809,482 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want income and growth with lower than average volatility are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $44,437,453 CI Investments Inc. Portfolio turnover rate: 9.24% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 169

176 SunWise Essential Portfolio Series Conservative Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.81% 0.26% N/A N/A Estate 2.81% 0.26% 0.45% of Death Benefit Base Income 2.52% N/A 0.71% of LWA Base 0.40% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

177 SunWise Essential Portfolio Series Growth Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the Portfolio Series Growth Fund. The Underlying Fund invests mostly in shares and bonds of firms from around the world. Top holdings and allocations of the Underlying Fund as of December 31, 2014 CI Signature Canadian Bond Fund CI Cambridge Canadian Equity Corporate 8.77 CI Signature Select Canadian Corporate 7.87 CI American Value Corporate 6.44 CI Cambridge Global Equity Corporate 6.13 CI American Managers Corporate 5.92 CI Cambridge American Equity Corporate 5.28 CI Black Creek International Equity Corporate 5.02 CI Synergy Canadian Corporate 5.01 CI International Value Corporate 4.82 Total Total number of investments: 20 US Equity International Equity Canadian Equity Cash and Equivalents Domestic Bonds Foreign Bonds 1.30 Income Trust Units 0.42 Other 0.26 Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want long-term capital growth are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $2,466,035 CI Investments Inc. Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 7.72% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % How risky is it? Very low Portfolio turnover rate: Net asset value per unit Low Low to moderate 33.65% Units outstanding Investment 2.96% $ ,070 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 171

178 SunWise Essential Portfolio Series Growth Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.96% 0.41% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

179 SunWise Essential Portfolio Series Income Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Portfolio Series Income Fund. The Underlying Fund invests mostly in bonds and shares of firms from around the world. Top holdings and allocations of the Underlying Fund as of December 31, 2014 CI Signature Global Bond Fund CI Signature Canadian Bond Fund CI Signature Corporate Bond Fund Cash and Equivalents CI Global High Dividend Advantage Corporate 8.94 CI Signature Diversified Yield II Fund 8.39 CI Cambridge Income Corporate 6.80 Cambridge Global Dividend Fund 6.45 CI Signature Income & Growth Fund 5.29 CI Signature High Income Fund 4.41 Total Total number of investments: 13 Foreign Bonds Domestic Bonds Cash and Equivalents International Equity US Equity 9.95 Canadian Equity 5.40 Income Trust Units 2.16 Other 0.70 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 5.98% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value four years. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.71% $ ,799,931 Income 2.48% $ ,245,606 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want income with some potential for capital are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $105,509,644 CI Investments Inc. Portfolio turnover rate: 8.28% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 173

180 SunWise Essential Portfolio Series Income Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.71% 0.21% N/A N/A Estate 2.71% 0.21% 0.35% of Death Benefit Base Income 2.48% N/A 0.56% of LWA Base 0.35% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

181 SunWise Essential Portfolio Series Maximum Growth Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the Portfolio Series Maximum Growth Fund. The Underlying Fund invests mostly in shares and bonds of firms from around the world. Top holdings and allocations of the Underlying Fund as of December 31, 2014 CI Cambridge Canadian Equity Corporate 8.90 CI Cambridge Global Equity Corporate 8.03 CI Signature Select Canadian Corporate 7.88 CI American Value Corporate 7.86 CI Synergy Canadian Corporate 7.02 CI American Managers Corporate 6.88 CI Cambridge American Equity Corporate 6.61 CI Black Creek International Equity Corporate 5.48 CI Harbour Voyageur Corporate 5.01 CI Signature Emerging Markets Corporate 4.95 Total Total number of investments: 19 US Equity International Equity Canadian Equity Cash and Equivalents Foreign Bonds 0.82 Income Trust Units 0.52 Other 0.26 Domestic Bonds 0.19 Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want above-average long-term capital growth are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $808,638 CI Investments Inc. Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 8.55% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % How risky is it? Very low Portfolio turnover rate: Net asset value per unit option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A If you invest more than $100,000, some of the fees you need to pay may be lowered. Ask your advisor or refer to Sections 10, 11 and 15 of the Contract and Section I-7.6 of the Information Folder for details. Low Low to moderate 7.09% Units outstanding Investment 3.15% $ ,769 Estate N/A N/A N/A Income N/A N/A N/A to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 175

182 SunWise Essential Portfolio Series Maximum Growth Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.15% 0.56% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

183 SunWise Essential Premier CI Signature Global Income & Growth Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Signature Global Income & Growth Fund. The Underlying Fund invests mostly in shares and bonds of firms from around the world. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Cash and Equivalents JPMorgan Chase & Co 1.94 UBS Group AG 1.83 United States Treasury 1.63 % 31-Aug Citigroup Inc 1.58 United States Treasury 2.00 % 31-Oct Alibaba Group Holding Ltd 1.48 The PNC Financial Services Group Inc 1.47 Wells Fargo & Co 1.45 France Government Bond OAT 3.25 % 25-May Total Total number of investments: 590 Foreign Bonds International Equity US Equity Cash and Equivalents Other 4.85 Domestic Bonds 1.56 Canadian Equity 0.53 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 7.45% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 2.90% $ ,942 Income 2.57% $ ,328 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want both foreign equity and fixed income securities in a single fund and prefer to have the portfolio advisor make the asset mix decisions are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $521,612 CI Investments Inc. Portfolio turnover rate: 6.15% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 177

184 SunWise Essential Premier CI Signature Global Income & Growth Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 2.90% 0.33% N/A N/A Estate 2.90% 0.33% 0.45% of Death Benefit Base Income 2.57% N/A 0.78% of LWA Base 0.65% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

185 SunWise Essential RBC Canadian Dividend Segregated Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the RBC Canadian Dividend Fund and Phillips, Hager & North Bond Fund. The Underlying Funds are combined to hold about 70% in shares and 30% in bonds. Top holdings and allocations as of December 31, 2014 RBC Canadian Dividend Fund Royal Bank of Canada Toronto-Dominion Bank Cash and Equivalents Bank of Nova Scotia Canadian National Railway Co Enbridge Inc Bank of Montreal Brookfield Asset Management Inc Canadian Imperial Bank of Commerce Suncor Energy Inc Phillips, Hager & North Bond Fund Cash and Equivalents 0.44 Total Total number of investments: 3 Canadian Equity Domestic Bonds Cash and Equivalents 7.42 Income Trust Units 2.81 US Equity 2.79 International Equity 0.22 Other 0.06 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 6.33% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 3.23% $ ,070 Income 2.78% $ ,863,886 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term September 2010 Total value on December 31, 2014: $32,399,275 CI Investments Inc. Portfolio turnover rate: 10.38% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 179

186 SunWise Essential RBC Canadian Dividend Segregated Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.23% 0.40% N/A N/A Estate 3.23% 0.40% 0.55% of Death Benefit Base Income 2.78% N/A 0.95% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

187 SunWise Essential RBC Canadian Dividend Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the RBC Canadian Dividend Fund. The Underlying Fund invests mostly in Canadian shares. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Royal Bank of Canada 6.65 Toronto-Dominion Bank 6.55 Cash and Equivalents 6.22 Bank of Nova Scotia 5.45 Canadian National Railway Co 4.22 Enbridge Inc 3.82 Bank of Montreal 3.63 Brookfield Asset Management Inc 3.58 Canadian Imperial Bank of Commerce 3.50 Suncor Energy Inc 2.88 Total Total number of investments: 82 Canadian Equity Cash and Equivalents 6.22 Income Trust Units 3.84 US Equity 3.81 International Equity 0.30 Domestic Bonds 0.04 September 2010 Total value on December 31, 2014: $4,222,139 RBC Global Asset Management Inc. Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 7.67% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Portfolio turnover rate: Net asset value per unit 8.42% Units outstanding Investment 3.59% $ ,549 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to earn income with modest long-term growth are investing for the long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 181

188 SunWise Essential RBC Canadian Dividend Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.59% 0.70% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

189 SunWise Essential RBC O'Shaughnessy International Equity Segregated Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the RBC O'Shaughnessy International Equity Fund and Phillips, Hager & North Bond Fund. The Underlying Funds are combined to hold about 70% in shares and 30% in bonds. Top holdings and allocations as of December 31, 2014 RBC O'Shaughnessy International Equity Fund Spark New Zealand Ltd Orange SA Bezeq Israeli Telecommunication Corp Ltd Telstra Corp Ltd GDF Suez SA Leighton Holdings Ltd Belgacom NV Eni SpA Centrica PLC Antofagasta PLC Phillips, Hager & North Bond Fund Cash and Equivalents 0.11 Total Total number of investments: 3 International Equity Domestic Bonds Cash and Equivalents 3.32 Other 0.06 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 6.02% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit Units outstanding Investment / Estate 3.25% $ ,294 Income 2.76% $ ,086 What does the Fund invest in? September 2010 Total value on December 31, 2014: $671,099 CI Investments Inc. Portfolio turnover rate: 9.45% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 183

190 SunWise Essential RBC O'Shaughnessy International Equity Segregated Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.25% 0.40% N/A N/A Estate 3.25% 0.40% 0.55% of Death Benefit Base Income 2.76% N/A 0.95% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

191 SunWise Essential RBC O'Shaughnessy International Equity Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the RBC O'Shaughnessy International Equity Fund. The Underlying Fund invests mostly in shares of firms from around the world. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Spark New Zealand Ltd 3.32 Bezeq Israeli Telecommunication Corp Ltd 2.80 Orange SA 2.80 Telstra Corp Ltd 2.66 GDF Suez SA 2.55 Leighton Holdings Ltd 2.21 Belgacom NV 2.15 Eni SpA 2.11 Centrica PLC 2.09 Antofagasta PLC 1.82 Total Total number of investments: 179 International Equity Cash and Equivalents 0.74 September 2010 Total value on December 31, 2014: $75,354 RBC Global Asset Management Inc. Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 5.73% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Portfolio turnover rate: Net asset value per unit 4.44% Units outstanding Investment 3.66% $ ,933 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want an equity fund that invests outside of North America are investing for the long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 185

192 SunWise Essential RBC O'Shaughnessy International Equity Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.66% 0.70% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

193 SunWise Essential Sun Life McLean Budden Canadian Bond Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Sun Life MFS Canadian Bond Fund. The Underlying Fund invests mostly in Canadian bonds. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Cash and Equivalents 7.00 Ontario Province 4.70 % 02-Jun United States Treasury 2.13 % 31-Aug Canada Government 2.75 % 01-Dec Ontario Province 2.10 % 08-Sep Ontario Province 4.00 % 02-Jun Canada Housing Trust No % 15-Dec International Inc 6.47 % 27-Jul Ontario Province 6.50 % 08-Mar Morgan Stanley 3.13 % 05-Aug Total Total number of investments: 118 Domestic Bonds Foreign Bonds Cash and Equivalents 7.00 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in January 2012 would have $1, in December This works out to an average of 2.72% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past two years. In the past two years, the Fund was up in value one year and down in value one year. % Net asset value per unit Units outstanding Investment / Estate 2.54% $ ,015 Income N/A N/A N/A What does the Fund invest in? January 2012 Total value on December 31, 2014: $367,934 Sun Life Global Investments (Canada) Inc. Portfolio turnover rate: 11.85% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 N/A Minimum investment additional purchases: $100 $100 N/A Monthly minimum of pre-authorized chequing: $50 $50 N/A Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want a moderate degree of income and potential for capital gains are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 187

194 SunWise Essential Sun Life McLean Budden Canadian Bond Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.25% ISC: 0.50% Annual LWA Base Fee rates charged to you Investment 2.54% 0.15% N/A N/A Estate 2.54% 0.15% 0.30% of Death Benefit Base Income N/A N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

195 SunWise Essential Sun Life MFS Global Growth Segregated Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Sun Life MFS Global Growth Fund and Signature Corporate Bond Fund. The Underlying Funds are combined to hold about 70% in shares and 30% in bonds. Top holdings and allocations as of December 31, 2014 Sun Life MFS Global Growth Fund Accenture PLC Google Inc LVMH Moet Hennessy Louis Vuitton SA Schlumberger NV Visa Inc Colgate-Palmolive Co Danone SA Pernod Ricard SA CVS Health Corp United Technologies Corp Signature Corporate Bond Fund Cash and Equivalents 0.49 Total Total number of investments: 3 US Equity International Equity Foreign Bonds Domestic Bonds Cash and Equivalents 1.66 Canadian Equity 0.58 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in January 2012 would have $1, in December This works out to an average of 11.66% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past two years. In the past two years, the Fund was up in value two years. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 3.05% $ ,763 Income 2.65% $ ,071 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term January 2012 Total value on December 31, 2014: $1,376,750 CI Investments Inc. Portfolio turnover rate: 16.38% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 189

196 SunWise Essential Sun Life MFS Global Growth Segregated Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.05% 0.35% N/A N/A Estate 3.05% 0.35% 0.55% of Death Benefit Base Income 2.65% N/A 0.90% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

197 SunWise Essential Sun Life MFS Global Growth Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the Sun Life MFS Global Growth Fund. The Underlying Fund invests mostly in shares of firms from around the world. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Accenture PLC 2.67 Google Inc 2.37 LVMH Moet Hennessy Louis Vuitton SA 2.33 Schlumberger NV 2.32 Visa Inc 2.28 Colgate-Palmolive Co 2.11 Danone SA 2.02 Pernod Ricard SA 1.97 CVS Health Corp 1.93 United Technologies Corp 1.93 Total Total number of investments: 96 US Equity International Equity Canadian Equity 0.73 January 2012 Total value on December 31, 2014: $39,695 Sun Life Global Investments (Canada) Inc. Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in January 2012 would have $1, in December This works out to an average of 13.54% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past two years. In the past two years, the Fund was up in value two years. % Portfolio turnover rate: Net asset value per unit 3.17% Units outstanding Investment 3.58% $ ,730 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want a global growth equity fund are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 191

198 SunWise Essential Sun Life MFS Global Growth Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.58% 0.65% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

199 SunWise Essential Sun Life MFS Global Total Return Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Sun Life MFS Global Total Return Fund. The Underlying Fund invests mostly in shares and bonds of firms from around the world. Top holdings and allocations of the Underlying Fund as of December 31, 2014 United States Treasury 3.50 % 15-May Japan Government 2.10 % 20-Sep KDDI Corp 1.75 Japan Government 1.10 % 20-Jun Johnson & Johnson 1.55 Wells Fargo & Co 1.37 Italy Government 3.75 % 01-Mar Kao Corp 1.36 CVS Health Corp 1.30 Nestle SA 1.30 Total Total number of investments: 278 Foreign Bonds US Equity International Equity Canadian Equity 1.40 Domestic Bonds 1.35 Other 0.03 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in April 2011 would have $1, in December This works out to an average of 10.03% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past three years. In the past three years, the Fund was up in value three years. % Net asset value per unit Units outstanding Investment / Estate 3.04% $ ,392 Income 2.72% $ ,041 What does the Fund invest in? April 2011 Total value on December 31, 2014: $2,285,183 Sun Life Global Investments (Canada) Inc. Portfolio turnover rate: 11.44% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in a diversified portfolio of equity and income are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 193

200 SunWise Essential Sun Life MFS Global Total Return Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.04% 0.30% N/A N/A Estate 3.04% 0.30% 0.45% of Death Benefit Base Income 2.72% N/A 0.75% of LWA Base 0.65% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

201 SunWise Essential Sun Life MFS Global Value Segregated Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Sun Life MFS Global Value Fund and Signature Corporate Bond Fund. The Underlying Funds are combined to hold about 70% in shares and 30% in bonds. Top holdings and allocations as of December 31, 2014 Sun Life MFS Global Value Fund KDDI Corp Johnson & Johnson Wells Fargo & Co CVS Health Corp JPMorgan Chase & Co Kao Corp Nestle SA Lockheed Martin Corp Novartis AG Pfizer Inc Signature Corporate Bond Fund Cash and Equivalents 0.15 Total Total number of investments: 3 US Equity International Equity Foreign Bonds Domestic Bonds Canadian Equity 1.58 Cash and Equivalents 1.39 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in April 2011 would have $1, in December This works out to an average of 11.16% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past three years. In the past three years, the Fund was up in value three years. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 3.12% $ ,009 Income 2.76% $ ,762 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term April 2011 Total value on December 31, 2014: $3,529,340 CI Investments Inc. Portfolio turnover rate: 19.80% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 195

202 SunWise Essential Sun Life MFS Global Value Segregated Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.12% 0.35% N/A N/A Estate 3.12% 0.35% 0.55% of Death Benefit Base Income 2.76% N/A 0.90% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

203 SunWise Essential Sun Life MFS Global Value Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the Sun Life MFS Global Value Fund. The Underlying Fund invests mostly in shares of firms from around the world. Top holdings and allocations of the Underlying Fund as of December 31, 2014 KDDI Corp 2.76 Johnson & Johnson 2.43 Wells Fargo & Co 2.13 CVS Health Corp 2.00 JPMorgan Chase & Co 1.96 Kao Corp 1.93 Nestle SA 1.93 Lockheed Martin Corp 1.92 Novartis AG 1.87 Pfizer Inc 1.86 Total Total number of investments: 109 US Equity International Equity Canadian Equity 2.25 April 2011 Total value on December 31, 2014: $168,834 Sun Life Global Investments (Canada) Inc. Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in April 2011 would have $1, in December This works out to an average of 14.03% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past three years. In the past three years, the Fund was up in value three years. % Portfolio turnover rate: Net asset value per unit 6.07% Units outstanding Investment 3.56% $ ,372 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want a global value equity fund are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 197

204 SunWise Essential Sun Life MFS Global Value Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.56% 0.65% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

205 SunWise Essential Sun Life MFS International Growth Segregated Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Sun Life MFS International Growth Fund and Signature Corporate Bond Fund. The Underlying Funds are combined to hold about 70% in shares and 30% in bonds. Top holdings and allocations as of December 31, 2014 Sun Life MFS International Growth Fund Nestle SA Danone SA Bayer AG LVMH Moet Hennessy Louis Vuitton SA Compass Group PLC Accenture PLC Taiwan Semiconductor Manufacturing Co Ltd Roche Holding AG UBS Group AG Pernod Ricard SA Signature Corporate Bond Fund Cash and Equivalents 0.14 Total Total number of investments: 3 International Equity Foreign Bonds Domestic Bonds US Equity 2.48 Cash and Equivalents 1.43 Canadian Equity 0.53 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in January 2012 would have $1, in December This works out to an average of 5.80% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past two years. In the past two years, the Fund was up in value two years. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 3.09% $ ,388 Income 2.69% $ ,100 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term January 2012 Total value on December 31, 2014: $479,148 CI Investments Inc. Portfolio turnover rate: 7.67% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 199

206 SunWise Essential Sun Life MFS International Growth Segregated Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.09% 0.35% N/A N/A Estate 3.09% 0.35% 0.55% of Death Benefit Base Income 2.69% N/A 0.90% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

207 SunWise Essential Sun Life MFS International Growth Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the Sun Life MFS International Growth Fund. The Underlying Fund invests mostly in shares of firms from outside of Canada and the United States. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Nestle SA 3.53 Danone SA 2.86 Bayer AG 2.74 LVMH Moet Hennessy Louis Vuitton SA 2.67 Compass Group PLC 2.54 Accenture PLC 2.46 Taiwan Semiconductor Manufacturing Co Ltd 2.46 Roche Holding AG 2.44 UBS Group AG 2.26 Pernod Ricard SA 2.25 Total Total number of investments: 89 International Equity US Equity 1.51 Canadian Equity 0.75 January 2012 Total value on December 31, 2014: $14,724 Sun Life Global Investments (Canada) Inc. Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in January 2012 would have $1, in December This works out to an average of 6.18% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past two years. In the past two years, the Fund was up in value two years. % Portfolio turnover rate: Net asset value per unit 13.50% Units outstanding Investment 3.63% $ ,230 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want a growth equity fund that invests outside of North America are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 201

208 SunWise Essential Sun Life MFS International Growth Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.63% 0.65% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

209 SunWise Essential Sun Life MFS International Value Segregated Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Sun Life MFS International Value Fund and Signature Corporate Bond Fund. The Underlying Funds are combined to hold about 70% in shares and 30% in bonds. Top holdings and allocations as of December 31, 2014 Sun Life MFS International Value Fund Nestle SA Danone SA Reckitt Benckiser Group PLC Compass Group PLC KDDI Corp Kao Corp Novartis AG Henkel & Co KGaA AG GlaxoSmithKline PLC Brambles Ltd Signature Corporate Bond Fund Cash and Equivalents 0.24 Total Total number of investments: 3 International Equity Foreign Bonds Domestic Bonds US Equity 5.05 Cash and Equivalents 1.44 Canadian Equity 1.26 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in April 2011 would have $1, in December This works out to an average of 10.87% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past three years. In the past three years, the Fund was up in value three years. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 3.10% $ ,008 Income 2.71% $ ,613 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term April 2011 Total value on December 31, 2014: $1,063,306 CI Investments Inc. Portfolio turnover rate: 22.79% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 203

210 SunWise Essential Sun Life MFS International Value Segregated Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.10% 0.35% N/A N/A Estate 3.10% 0.35% 0.55% of Death Benefit Base Income 2.71% N/A 0.90% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

211 SunWise Essential Sun Life MFS International Value Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the Sun Life MFS International Value Fund. The Underlying Fund invests mostly in shares of firms from outside of Canada and the U.S.. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Nestle SA 3.82 Danone SA 3.74 Reckitt Benckiser Group PLC 3.12 Compass Group PLC 3.04 KDDI Corp 3.02 Kao Corp 3.02 Novartis AG 2.63 Henkel & Co KGaA AG 2.35 GlaxoSmithKline PLC 2.33 Brambles Ltd 2.29 Total Total number of investments: 93 International Equity US Equity 5.22 Canadian Equity 1.75 April 2011 Total value on December 31, 2014: $16,541 Sun Life Global Investments (Canada) Inc. Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in April 2011 would have $1, in December This works out to an average of 12.47% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past three years. In the past three years, the Fund was up in value three years. % Portfolio turnover rate: Net asset value per unit 6.98% Units outstanding Investment 3.46% $ ,069 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want an equity fund that invests outside of North America are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 205

212 SunWise Essential Sun Life MFS International Value Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.46% 0.65% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

213 SunWise Essential Sun Life MFS U.S. Growth Segregated Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Sun Life MFS U.S. Growth Fund and Signature Corporate Bond Fund. The Underlying Funds are combined to hold about 70% in shares and 30% in bonds. Top holdings and allocations as of December 31, 2014 Sun Life MFS U.S. Growth Fund Visa Inc Apple Inc Facebook Inc Danaher Corp MasterCard Inc Google Inc Thermo Fisher Scientific Inc Actavis PLC American Tower Corp Google Inc Signature Corporate Bond Fund Cash and Equivalents 0.20 Total Total number of investments: 3 US Equity Foreign Bonds Domestic Bonds International Equity 3.67 Cash and Equivalents 1.36 Canadian Equity 0.62 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in January 2012 would have $1, in December This works out to an average of 16.00% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past two years. In the past two years, the Fund was up in value two years. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 3.03% $ ,415 Income 2.71% $ ,923 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term January 2012 Total value on December 31, 2014: $1,690,552 CI Investments Inc. Portfolio turnover rate: 11.81% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 207

214 SunWise Essential Sun Life MFS U.S. Growth Segregated Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.03% 0.35% N/A N/A Estate 3.03% 0.35% 0.55% of Death Benefit Base Income 2.71% N/A 0.90% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

215 SunWise Essential Sun Life MFS U.S. Growth Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the Sun Life MFS U.S. Growth Fund. The Underlying Fund invests mostly in U.S. shares. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Visa Inc 3.38 Apple Inc 3.34 Facebook Inc 2.55 Danaher Corp 2.45 MasterCard Inc 2.37 Google Inc 2.21 Thermo Fisher Scientific Inc 2.13 Actavis PLC 2.05 American Tower Corp 2.03 Google Inc 1.96 Total Total number of investments: 110 US Equity International Equity 4.98 Canadian Equity 0.82 January 2012 Total value on December 31, 2014: $303,375 Sun Life Global Investments (Canada) Inc. Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in January 2012 would have $1, in December This works out to an average of 17.39% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past two years. In the past two years, the Fund was up in value two years. % Portfolio turnover rate: Net asset value per unit 30.85% Units outstanding Investment 3.46% $ ,765 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want a U.S. growth equity fund are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 209

216 SunWise Essential Sun Life MFS U.S. Growth Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.46% 0.65% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

217 SunWise Essential Sun Life MFS U.S. Value Segregated Bundle Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the Sun Life MFS U.S. Value Fund and Signature Corporate Bond Fund. The Underlying Funds are combined to hold about 70% in shares and 30% in bonds. Top holdings and allocations as of December 31, 2014 Sun Life MFS U.S. Value Fund JPMorgan Chase & Co Johnson & Johnson Philip Morris International Inc Wells Fargo & Co Pfizer Inc Accenture PLC Honeywell International Inc United Technologies Corp Lockheed Martin Corp 3M Co Signature Corporate Bond Fund Cash and Equivalents 0.09 Total Total number of investments: 3 US Equity Foreign Bonds Domestic Bonds International Equity 9.65 Cash and Equivalents 1.28 Canadian Equity 0.47 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in April 2011 would have $1, in December This works out to an average of 12.67% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past three years. In the past three years, the Fund was up in value three years. % Net asset value per unit How risky is it? Very low Low Low to moderate Units outstanding Investment / Estate 3.15% $ ,599 Income 2.75% $ ,044 What does the Fund invest in? Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want to invest in equity securities, with a small amount of exposure to income securities to mitigate short-term volatility are investing for the medium and/or long term April 2011 Total value on December 31, 2014: $3,645,461 CI Investments Inc. Portfolio turnover rate: 13.20% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 $500 Minimum investment additional purchases: $100 $100 $100 Monthly minimum of pre-authorized chequing: $50 $50 $50 to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 211

218 SunWise Essential Sun Life MFS U.S. Value Segregated Bundle How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.15% 0.35% N/A N/A Estate 3.15% 0.35% 0.55% of Death Benefit Base Income 2.75% N/A 0.90% of LWA Base 0.50% of LWA Base N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

219 SunWise Essential Sun Life MFS U.S. Value Segregated Fund Quick facts: Date Fund created: Managed by: What does the Fund invest in? The Fund invests in the Sun Life MFS U.S. Value Fund. The Underlying Fund invests mostly in U.S. shares. Top holdings and allocations of the Underlying Fund as of December 31, 2014 JPMorgan Chase & Co 4.34 Johnson & Johnson 3.63 Philip Morris International Inc 3.39 Wells Fargo & Co 3.33 Pfizer Inc 2.81 Accenture PLC 2.27 Honeywell International Inc 2.18 United Technologies Corp 2.10 Lockheed Martin Corp M Co 2.09 Total Total number of investments: 90 US Equity International Equity Canadian Equity 0.59 April 2011 Total value on December 31, 2014: $245,216 Sun Life Global Investments (Canada) Inc. Management expense ratio (MER) How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in April 2011 would have $2, in December This works out to an average of 21.19% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past three years. In the past three years, the Fund was up in value three years. % Portfolio turnover rate: Net asset value per unit 13.50% Units outstanding Investment 3.54% $ ,012 Estate N/A N/A N/A Income N/A N/A N/A option Investment Estate Income Minimum investment per Contract: No new Contracts N/A N/A Minimum investment per Fund: $500 N/A N/A Minimum investment additional purchases: $100 N/A N/A Monthly minimum of pre-authorized chequing: $50 N/A N/A Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want an U.S. equity fund are investing for the long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 213

220 SunWise Essential Sun Life MFS U.S. Value Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.50% ISC: 1.00% Annual LWA Base Fee rates charged to you Investment 3.54% 0.65% N/A N/A Estate N/A N/A N/A N/A Income N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

221 SunWise Essential TD Canadian Bond Segregated Fund Quick facts: Date Fund created: Managed by: Management expense ratio (MER) The Fund invests in the TD Canadian Bond Fund. The Underlying Fund invests mostly in Canadian bonds. Top holdings and allocations of the Underlying Fund as of December 31, 2014 Canada Government 5.00 % 01-Jun Cash and Equivalents 4.30 Canada Government 4.00 % 01-Jun Ontario Province 5.60 % 02-Jun Ontario Province 3.03 % 02-Jun Toronto-Dominion Bank 4.78 % 14-Dec Canada Government 5.75 % 01-Jun BC Province 4.30 % 18-Jun Canada Government 1.50 % 01-Jun Canada Government 2.75 % 01-Jun Total Total number of investments: 185 Domestic Bonds Cash and Equivalents 4.30 Foreign Bonds 1.35 How has the Fund performed? Average return This section tells you how the Fund did in the past. A person who invested $1,000 in the Investment Fund in September 2010 would have $1, in December This works out to an average of 2.46% a year. The returns are after the MER has been deducted. The insurance fees and other costs will reduce the returns of the Fund. Past returns do not tell you how the Fund will do in the future. Your return will vary based on your guarantee option and personal tax situation. Year-by-year returns (%) This chart shows how the Fund has performed in each of the past four years. In the past four years, the Fund was up in value three years and down in value one year. % Net asset value per unit Units outstanding Investment / Estate 2.46% $ ,422,961 Income N/A N/A N/A What does the Fund invest in? September 2010 Total value on December 31, 2014: $15,788,067 TD Asset Management Inc. Portfolio turnover rate: 4.59% option Investment Estate Income Minimum investment per Contract: No new Contracts No new Contracts No new Contracts Minimum investment per Fund: $500 $500 N/A Minimum investment additional purchases: $100 $100 N/A Monthly minimum of pre-authorized chequing: $50 $50 N/A Are there any guarantees? This Segregated Fund is being offered under an insurance Contract. It comes with guarantees that may protect your money if the value goes down. The fees are summarized in the "Ongoing Fund expenses" section. For details, please refer to Sections 10 and 13 of the Contract. Who is this Fund for? This Fund may be suitable for contractholders if they: want a high-quality income investment are investing for the medium and/or long term How risky is it? Very low Low Low to moderate to high High The value of your investment can go down. For details, please refer to Section I-7 of the Information Folder. 215

222 SunWise Essential TD Canadian Bond Segregated Fund How much does it cost? The following tables show the fees and expenses you could pay to invest in or sell the Fund. For details, please refer to Sections 10 and 11 of the Contract and Sections I-5 and I-7.6 of the Information Folder. Sales charges Sales charge option What you pay How it works Initial Sales Charge (ISC) Up to 5% of the amount invested. You and your insurance advisor agree on the rate charged. The Initial Sales Charge is deducted from the amount you buy. It is paid as a commission. Deferred Sales Charge (DSC) If you sell within: Rate 1 year of buying 5.5 % 2 years of buying 5.0 % 3 years of buying 5.0 % 4 years of buying 4.0 % 5 years of buying 4.0 % 6 years of buying 3.0 % 7 years of buying 2.0 % After 7 years 0.0 % Ongoing Fund expenses The MER includes the Management Fee and operating expenses of the Fund. The Insurance Fees can be part of the MER or charged to you by redeeming some of your Units. You do not pay the MER directly. It affects you because it reduces the return you get. Other fees and expenses depending on the you select can be charged to you. For details, please refer to Section 10 of the Contract and Section I-7.6 of the Information Folder. Servicing commission MER (Annual rate as a % of the Fund's value) and maturity insurance included in MER The Deferred Sales Charge is a set rate. It is deducted from the amount you withdraw. When you invest in the Fund, we pay a commission of 5%. Any Deferred Sales Charge you pay goes to us. You can Redeem up to 10% (20% if the Contract is a RRIF) of your units of a Fund each year without a Deferred Sales Charge. You can switch to Units of other DSC Funds under the insurance Contract without paying a Deferred Sales Charge. For details, please refer to Section 11 of the Contract and Section I-5 of the Information Folder. and maturity insurance charged to you We pay an annual servicing commission as long as you own the Fund. It is paid out of the Management Fee. The rate depends on the sales charge option you chose. For details, please refer to Section I-5 of the Information Folder. Annual servicing commission rate DSC: 0.25% ISC: 0.50% Annual LWA Base Fee rates charged to you Investment 2.46% 0.15% N/A N/A Estate 2.46% 0.15% 0.30% of Death Benefit Base Income N/A N/A N/A N/A N/A Other fees Fee Early withdrawal fee Change fee What you pay 2% of the value of Units you sell or transfer within 30 business days of buying the Units. Money from the fee goes to the Fund. Your insurance advisor may charge you up to 2% of the value of Units you switch to another Fund or. For details, please refer to Sections 5.1 and 11.2 of the Contract. What if I change my mind? You can change your mind about investing in this Fund but you may have as little as two days to do so. Please see page i-1 for details. This page also contains details on how to get more information. This Fund Facts is not complete without page i

223 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 contractholder and may increase or decrease in value. CI Investments, the CI Investments design, Harbour Advisors, Harbour Funds and Cambridge are registered trademarks of CI Investments Inc. Portfolio Series, Signature Global Asset Management 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. CI Investments Inc., 2015 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: