A mutual fund is a professionally managed investment that pools money from many investors and invests it in stocks, bonds, and other securities. SWE+ provides a principal guarantee, income guarantee with returns growing by 5% per year, potential for growth when markets rebound, and estate benefits. It provides guaranteed minimum withdrawal benefits and retirement income by eliminating risks like longevity, inflation, and market risks. SWE+ offers two options that provide predictable sustainable guaranteed income for life through retirement.

5. Guaranteed Minimum Withdrawal Benefit is a $8 billion market and growing fast Guaranteed Minimum Withdrawal Benefit is a $600 billion market and growing faster! Success in Canada & USA

7. You insure all your major assets: Your life Your home Your cars, boats, etc . But what about your retirement income?

8. Longevity risk: How long will my money last when I retire? Inflation risk: What will a dollar buy me in 20 years? Market risk: Will a drop in the market set me back? Retirement Risks

9. Probability that a 65 year old will live to… Longevity Risk

10. Inflation Risk Purchasing Power in 20 years… 1% inflation 2% inflation 4% inflation $0.82 $0.67 $0.45

11. Market Risk - Effect on Longevity Different order – Different outcome Assumes $100,000 portfolio subject to $750 monthly withdrawals Return Sequence (%) +7 +7 +7 +7 -13 +27 -13 +7 +27 +27 +7 -13 Age money is depleted 86.5 83.3 81.1 94.9 Source: Milevsky & Salisbury, September 2006 +/- months -38 -65 +101

12. Retirement Risk Zone

13. What you can do about it

18. Certainty before you retire Guaranteed income protection for pre-retirees Portfolio Value

19. Possibility of income growth Guaranteed income protection with automatic resets Portfolio Value

20. Income for Life Guaranteed income protection for retired investors Portfolio Value

21. Guaranteed RRIF payments for life Guaranteed income protection provides RRIF for life

22. Under any market conditions Regardless of market performance

23. Guaranteed Retirement Income Sun Wise Elite Plus can help “Fill the Gap” Core 6 Expenses $24,000 H,H,F,C,T,T Secure Income $12,000 OAS, CPP “The Gap” $12,000

25. Investment Options Investment choice with leading portfolio managers

26. CI Support

30. Thank You