I N V E S T O R G U I D E

P R I VAT E C L I E N TS U N L I F E G L O B A L I N V E S T M E N T S

A N E W L I G H T .

A F R E S H A P P R O A C H .

G E T S T A R T E D O N A F R E S H A P P R O A C H T O S U C C E S SAt Sun Life Global Investments, our objective has always been to offer solutions that provide you with the right combination of flexibility, service and opportunity.

Private Client gives you a fresh approach to investing. Choose from a wide range of investment options with highly competitive fees and experience an exceptional level of service and other advantages tailored to the needs of affluent investors.

4

5

GREATER ACCESS AND CHOICE World class investment solutions from some of the best asset managers from around the world.

AUTOMATIC ENROLMENT AND MANAGEMENT FEE REDUCTIONS If you reach a $100,000 market value in eligible mutual funds or segregated funds in one account/contract, you will automatically be enrolled in Private Client. Qualify for management fee reductions that increase as your portfolio grows.* Use these savings to create additional opportunities to achieve your long-term goals sooner.

GREATER HOUSEHOLD EFFECTIVENESSYou can link mutual fund accounts and eligible units in Sun Life GIFs contracts to get a complete picture of your family members’ holdings and help them qualify for management fee reductions.

KNOW EXACTLY WHERE YOU STANDDetailed and easy-to-understand statements help you track your success and view your Private Client holdings and quarterly activity.

AUTOMATICALLY STAY ON TRACK**You can choose to have your portfolio automatically rebalanced to help ensure your investments are a current reflection of your goals and tolerance for risk.

PREMIUM SERVICEInvestors with $500,000 and above in eligible securities/units receive additional services, including access to the Private Client team for enhanced support.

Sun Life Global Investments Private Client takes a new approach to investing for affluent investors. Our unique program offers:

*Subject to eligibility and minimum balance requirements. Ask your advisor for details.

** Only applicable to mutual funds.

6

Investors have access to a comprehensive line-up of mutual funds and segregated funds to meet the eligibility requirements for Private Client.

Sun Life Global Investments has low minimum investment requirements per fund. This means clients have flexibility to build a portfolio from multiple funds if they choose.

GREATER ACCESS AND CHOICE

SUN LIFE GRANITE MANAGED SOLUTIONSSun Life Granite Managed Solutions help take the guess work out of investing. Choose from a series of ready-made portfolios based on your tolerance for risk, time horizon and investment objectives.

SUN LIFE GUARANTEED INVESTMENT FUNDS (GIFS)

Sun Life GIFs is an industry-leading suite of segregated fund products offering the benefits of protection, investment growth, flexibility and control. With segregated fund contracts, investors can also benefit from the features of an insurance contract, including efficient estate settlement.

DIVERSIFIED INCOME FUNDSDiversified income funds seek to generate income by investing across various asset classes, sectors and geographies. Like most income funds, they prioritize income generation over capital appreciation.

EQUITY FUNDSEquity funds invest in shares of companies and offer you the potential for growth in their investment over time. Equity funds have a variety of management styles.

ASSET ALLOCATION AND BALANCED FUNDSAsset allocation and balanced funds are a mix of equities, bonds and cash equivalents.

FIXED INCOME FUNDSFixed income funds invest in bonds and have the potential for growth while providing a source of income.

CORPORATE CLASS FUNDSCorporate class funds may be suitable if you’re looking for a tax-efficient vehicle for non-registered assets.

7

Want to start saving today?Talk to your advisor about the advantages of automatic management fee reductions and how you might be able to share the savings with your family.

Your advisor has likely recommended Sun Life Global Investments because you’ve already achieved a great deal of financial success – and now you’re looking for the fee reductions and level of service you deserve.

Once your account or contract reaches a market value of $100,000 in eligible mutual funds or segregated funds, you will automatically be enrolled in Private Client.

Sun Life Global Investments also offers automatic management fee reductions (MFRs) in eligible mutual funds or segregated funds starting when your individual account or contract balance exceeds $100,000 in market value. These savings can help put more of your money to work sooner so you can reach your savings goals faster. You continue to enjoy MFRs as long as your account and/or contract continues to meet Private Client eligibility requirements.

AUTOMATIC E N R O L M E N T A N D M A N A G E M E N T F E E R E D U C T I O N S

8

Householding is an option available to families who have made great strides toward their financial goals. Once your account/contract balance exceeds $100,000 in eligible securities/units, management fee reductions may also apply to accounts or contracts held by your spouse, children, parents or in certain corporate situations*. A master account/contract must be selected and have a minimum $100,000 balance in eligible securities or units. The total combined balance of the master and linked accounts/contracts must be at least $250,000 in eligible securities/units to qualify. You’ll receive a consolidated report every quarter to give you a comprehensive view of your family’s holdings.

GREATER H O U S E H O L D EFFECTIVENESS

Is householding right for you?If you like the idea of having all of your family investments benefit from reduced management fees, talk to your advisor about linking your household accounts and/or contracts.

*Subject to eligibility and minimum balance requirements. Ask your advisor for details.

9

10

Sun Life Global Investments makes it easy for you and your advisor to review your portfolio, track your success and understand how your investments have been allocated to meet your needs.

As a Private Client, you may receive a quarterly statement that includes:

• Individual account and/or contract details

• Market commentary

• Fund performance

• Consolidated household reporting for linked accounts and/or contracts (if applicable)

CLEAR AND COMPREHENSIVE REPORTING

11

PREMIUM SERVICEAs your assets grow and you achieve more of your financial goals, your advisor may choose to work with Sun Life Global Investments’ Private Client team at critical planning times throughout the year.

In addition to long-term planning and account/contract management that you receive from your advisor, the Private Client team can provide insights and information on your investments.

SUN LIFE MILESTONE FUNDSWith Sun Life Milestone Funds, clients select a fund with a maturity date that best matches the year they expect to require the money, known as the target maturity date. As long as they remain invested in the fund until maturity, they will receive a guaranteed maturity value. As the target maturity date approaches, and at any time the guaranteed value at maturity increases, the fund is rebalanced to help preserve capital.

CORPORATE CLASS FUNDS Corporate class funds may be suitable for investors who are looking for a tax-efficient vehicle for their non-registered assets. Distributions may be lower because expenses can be shared among different classes within the same corporation. These distributions may be taxed at a lower rate.

Keep more of what you earnIf you have non-registered assets in your portfolio, consider reviewing the features of corporate class funds with your advisor. Lowering your tax obligation helps keep more of your money working for you.

I . M U T U A L F U N DSADDITIONAL OPTIONS FOR YOUR MUTUAL FUND ACCOUNTS IN PRIVATE CLIENT

12

Your advisor understands your financial goals and tolerance for risk. Sun Life Global Investments makes it easier to ensure that investments stay aligned with your target portfolio allocation by offering an optional, no-cost portfolio rebalancing service for your mutual fund accounts.

HOW DOES IT WORK?

CONSISTENCY

• If one or more fund holdings vary from the target allocation that you determined with your advisor, your portfolio will automatically be switched back to your original target allocation.

• You can choose to have your portfolio rebalanced monthly, quarterly (March, June, September and December) or semi-annually (June and December).

How often should you rebalance your portfolio?Portfolios become unbalanced when one asset class (e.g. equities) grows faster than others (e.g. fixed income) and starts to represent a greater percentage of your overall holdings.

How often you should rebalance is partly determined by your account holdings. Your advisor can help you determine the right rebalancing option for you.

13

14

Sun Life GIFs is an industry-leading suite of segregated fund products with the benefits of protection, investment growth, flexibility and control for a client’s assets. With Sun Life GIFs and Private Client, you can build a portfolio, receive management fee reductions, and benefit from the unique features of an insurance contract, including efficient estate settlement. Sun Life GIFs offer a wide variety of features to meet financial needs now and in the future.

PROTECTIONSun Life GIFs offer the protective features of an insurance contract, such as:

• Maturity and death benefit guarantees

• Potential creditor protection

• Income guarantees

GROWTH AND FLEXIBILITYThe following features mean that Sun Life GIFs offer growth potential as well as flexibility:

• A wide range of funds to choose from in various asset classes to suit your tolerance for risk.

• Some products in the suite allow you to grow retirement savings and receive an income.

• You can access the market value of your investment at any time.*

EFFICIENT ESTATE SETTLEMENTAs insurance contracts, Sun Life GIFs offer these additional estate settlement benefits:

• Named beneficiaries

• Bypass probate and other fees

You can choose to have the death benefit paid to beneficiaries as either a lump sum or a non-commutable payout annuity.

I I. S E G R E G AT E D F U N DS SUN LIFE GIFS ARE AVAILABLE IN THE PRIVATE CLIENT PROGRAM

*Withdrawals will reduce the maturity and death benefit guarantees and, if applicable, excess withdrawals will reduce future lifetime guaranteed income.

15

SUN GIF SOLUTIONSSun GIF Solutions is designed to grow with you through different life stages. There are three series to meet your evolving financial needs: Investment, Income and Estate Series. Sun GIF Solutions offers the flexibility to move investments between the three series to meet different needs*.

SUN LIFETIME ADVANTAGE GIFSun Lifetime Advantage GIF is a forward-thinking offering that reduces key retirement risks and provides growth potential by increasing income when markets improve and interest rates increase during the years leading up to retirement. If you’re getting ready to retire, this product offers certainty about the lifetime guaranteed income you’ll receive in retirement, and the choice of when to start taking it.

You can hold up to 70% in equity funds to increase growth potential with the benefit of insurance guarantees to help protect your assets.

SUN PROTECT GIFSun Protect GIF can help you reach your long-term savings goals with the highest level of market protection available within the Sun Life GIFs suite.

Deposits made in the first year receive a 100% maturity guarantee and there is the potential to lock in gains from positive market performance. A 100% death benefit guarantee is also available, increasing the value of your legacy.

If you qualify for Sun Life Global Investments Private Client program and would like more information about the Sun Life GIFs product suite, please speak to your advisor or visit sunlifegifs.ca.

THE SUN LIFE GIFS SUITE:

*Transitions between series impact the guarantees.

The Sun Life Global Investments corporate class mutual funds each represent a separate class of shares of Sun Life Global Investments Corporate Class Inc., a mutual fund corporation. Sun Life Granite Managed Solutions invest in other funds and/or exchange traded funds (ETFs).

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual fund values change frequently and past performance may not be repeated. Mutual funds are not generally guaranteed, although Sun Life Milestone Funds benefit from the guarantee described below.

We have structured each Sun Life Milestone Fund so that it will have sufficient assets to pay the Guaranteed Value per unit on its respective maturity date. If the net asset value per unit on the maturity date of a Sun Life Milestone Fund is less than the Guaranteed Value per unit, then Sun Life Assurance Company of Canada, as sub-advisor to the Sun Life Milestone Funds, (“Sun Life”, or the “guarantor”) has agreed to pay the shortfall to the Sun Life Milestone Fund. Any shortfall payment is subject to the financial health and creditworthiness of Sun Life.

The respective maturity dates for Sun Life Milestone Funds is June 30 of the year in the corresponding fund’s name. The maturity date for a Sun Life Milestone Fund may be accelerated in certain circumstances, in which case an accelerated Guaranteed Value will be calculated. In such a case, the applicable Sun Life Milestone Fund will pay the greater of the net asset value per unit on the accelerated maturity date and the net present value per unit of the Guaranteed Value.

If you redeem your securities of Sun Life Milestone Funds prior to their respective maturity dates, your redemption will be processed at the current net asset value per security, less any applicable redemption fees, and you will not benefit from the Guaranteed Value at maturity.

Additional information, including specific risks associated with Sun Life Milestone Funds, can be found in the prospectus.

On February 5, 2016, Series E and EF securities were closed for sale and were redesignated (or converted in the case of corporate class shares) to Series A and Series F respectively. On February 5, 2016, E class in Sun Life GIFs was closed for new sales.

Sun Life GIFs are individual variable annuity contracts issued by Sun Life Assurance Company of Canada, a member of the Sun Life Financial group of companies. Any amount that is allocated to a segregated fund is invested at the risk of the contract owner and may increase or decrease in value.

16

S U N L I F E G L O B A L I N V E S T M E N T S ( C A N A D A ) I N C .225 King Street West, Toronto ON M5V 3C5 Phone: 1.877.344.1434. | email: info@sunlifeglobalinvestments.com

TALK TO YOUR ADVISOR TO LEARN MORE ABOUT THE ADVANTAGES OF

SUN LIFE GLOBAL INVESTMENTS PRIVATE CLIENT

© Sun Life Global Investments (Canada) Inc., 2017 Sun Life Global Investments (Canada) Inc. is a member of the Sun Life Financial group of companies.

810-4137-01-17

P R I VAT E C L I E N TS U N L I F E G L O B A L I N V E S T M E N T S