2 A Three-Step Approach 1.Fill out the questionnaire 2.Determine your investor profile 3.Choose your investments

3 Determine Your Investor Profile* *Questionnaire available on our Participant Services Web site or in your Enrolment kit Identify your risk tolerance Balanced Growth Energetic Speculative Secure Moderate

4 Choose your Investments * Select a lifecycle path 3 lifecycle paths available  Based on your age and risk tolerance Choose your own combination of funds 5 multi-management funds or build your own portfolio  Requires more investment knowledge  Requires regular monitoring Based on your investor profile… *Refer to the "My Investment Funds" document to know the options applicable to your plan or

5 Select a Lifecycle Path Your investor profileYourage Your path towards retirement Secure Path As you age, the asset allocation of the path becomes progressively more conservative

6 Investment Fund GUARANTEED FUNDS5-Year Guaranteed Fund MULTI-MANAGEMENT FUNDSChoice among: 5 Multi-management Funds FIXED INCOME Money Market (Fiera) Bond (Fiera) Barclays Universe Bond Index BALANCED FUNDSConservative Diversified (Fiera) CANADIAN EQUITY Jarislowsky Fraser Canadian Equity McLean Budden Canadian Equity Growth Barclays Active Canadian Equity FOREIGN EQUITY McLean Budden American Equity GE International Equity Bernstein Global Equity Value Build your portfolio (Select your own combination of funds)

7 Risk Return Multi-management 20/80 Fund Multi-management 35/65 Fund Multi-management 50/50 Fund Multi-management 65/35 Fund Multi-management 80/20Fund Multi-management 80/20 Fund Multi-management Funds Pre-determined asset allocation Quarterly rebalancing

8 Our Fund Managers

9 Invest for the Long Term Long-term gains offset short-term losses The impact of a market downturn is temporary if you stay invested! For your retirement, focus on long-term returns

10 You are now ready to review the fourth Port of call