1. Retirement Savings Plan for Garda Canada Security Corporation Teena Dawson Education Advisor September 2011

2. Today’s Topics Your retirement, your way Benefits of your plan Where should you invest? Staying on target Next steps

3. Let's talk about... your retirement, your way

4. When should you think about retirement? $150 invested over 25 years = $45,000 4% average annual return $100 invested over 25 years = $30,000 For illustration purposes only - does not promise any guarantees or rights to the benefits

5. How much should you save?

6. $35,000 How much should you save? John Income before $35,000 retirement How much will you need for a comfortable retirement?  Income before retirement  Income needed at retirement (in today's dollars) $24,500 x 70%

7. How much should you save? What kind of lifestyle is most like you? JOANNESAM NICK AND KAREN MICHAEL AND SOPHIESTEPHEN Retirement income $30,000$40,000$50,000$60,000$70,000 Personal Savings Required $225,000*$375,000*$500,000**$675,000**$850,000* *Based on a single life only annuity guaranteed 10 years **Assumes a joint life 60% survivior annuity guaranteed 10 years All assume CPP/QPP and OAS benefits, an interest rate of 4.5% and pension amounts are indexed with inflation at 2%. For illustration purposes only - does not promise any guarantees or rights to the benefits.

8. Where will your money come from?

9.  Canada Pension Plan (CPP)  Old Age Security (OAS) Government programs  Group Registered Retirement Savings Plan (Group RRSP) Your company retirement plan  Individual RRSP  Non-Registered Plan Your personal savings Government plans only replace between 20% and 40% of your average annual income.

10. Where will your money come from? ELIGIBILITY AVERAGE MONTHLY BENEFIT MAXIMUM MONTHLY BENEFIT Canada Pension Plan (CPP) Based on your contributions to the plan 100% of your entitlement at age 65 Reduced benefit if between ages of 60 to 64 $505$960 Old Age Security (OAS) Based on your residency in Canada Must be age 65 or older $490$524 Government plans

11. Your group retirement savings program

13. Eligible to join after one year of service Garda: $0.40 per hour contributed on a monthly basis You: PAC or cheques Withdrawals not permitted Home Buyers' Plan and Lifelong Learning Program Lower fees Management: 1.50% Investment: 0.20% - 0.80%

14. Your group retirement savings program + Unused contribution room Maximum of $22,450 (2011) 18% Previous year’s earned income Limit set by Canada Revenue Agency (CRA) Check your Notice of Assessment Visit: www.cra-arc.gc.ca or call: 1-800-959-8281 Contribution to your RRSP = RRSP contribution limit

15. Where should you invest?

16. Investor profile questionnaire Reflects your retirement goals, personal situation and risk tolerance

17. Where should you invest? Investor profiles Fixed income funds Canadian equity funds Foreign equity funds

18. Where should you invest? Risk versus return

19. Where should you invest? Your investment funds, your way

20. Two options: 1.Diapason Portfolios 2.Select your own combination of funds Where should you invest?

21. Two options: 1.Diapason Portfolios Choose the one that matches your investor profile Portfolio rebalanced on a regular basis 2.Select your own combination of funds Where should you invest?

22. Diapason Portfolios Where should you invest? * Default fund *

23. Two options: 1.Diapason Portfolios 2.Select your own combination of funds Various investment options Requires more investment knowledge and regular monitoring Where should you invest?

24. Select your own combination of funds: Where should you invest?

25. Fund information www.dfs.ca

26. Where should you invest? One page fund summaries Information on manager Objective, style of fund Top 10 holdings Portfolio composition Gross rates of return

27. How to stay on target?

28. Participant services website How to stay on target? www.dfs.ca/participant

29. On Target Retirement

31. Participant statements How to stay on target? Summary and detailed information Mailed to your home Available online

32. Participant Services Centre How to stay on target? Investment information and guidance Information about your account and plan Interfund transfers Completing forms Available from 8 a.m. to 8 p.m. EST, Monday to Friday 1-800-968-3587

33. What are your next steps?

34. 1.Read through the material 2.Complete Investor Profile Questionnaire 3.Choose your investments 4.Ask questions 5.Complete the enrolment form and return to Harry Mesman at UFCW

35. Enrolment and Investment Instruction forms What are the next steps? 1.Complete your personal information 2.Appoint your beneficiaries 3.Appoint a trustee (if beneficiary is a minor) 4.Determine your contribution amount 5.Determine your investment option 1.Option 1 – Diapason Portfolios 2.Option 2 – Build your own 6.Sign your forms

36. Questions and Answers