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Your Risk Tolerance Level: 218

It appears you have not completed the Risk Tolerance questionnaire. Fill in thequestionnaire

now to determine which Portfolio Profile is most appropriate for your financial situation.

0 Guaranteed Investment Portfolio1 - 130 Cautious with very low risk tolerance

131 - 160 Conservative with low risk tolerance

161 - 190 Moderate with average risk tolerance

191 - 230 Balanced with above average risk tolerance

231 - 260 Aggressive with high risk tolerance

>260 Sophisticated with very high risk tolerance

Balanced with above average risk tolerance

The Balanced portfolio is designed for those investors who want a balance between portfolio

growth and income at slightly higher than average volatility levels. This portfolio consists of

55% in equities for registered accounts and 60% in non-registered accounts. This portfolio is

appropriate for middle-of-the-road investors who are interested in long-term growth but

recognize the need for some stable investments with reduced risk levels for personal comfort.

Implementing Your Perfect Balance

Our Solutions utilize modern portfolio management techniques to maximize your portfolio

returns and minimize your risk. "Perfect Balance" in your portfolio is achieved through proper

diversification and by properly combining investments which have low correlations with each

other.

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7/30/2019 Your Risk Tolerance Level

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Now that we have determined your proper asset types, the next step is to ensure your portfolio is

properly diversified in the following areas:

Country

Canada, United States, Europe and other major markets in the world

Asset TypeStocks, Bonds, Mortgages, Real Estate and Money market

Asset Quality

Preferred and Common Shares of companies, Small, Medium and Large Company stock,

and various durations of government and corporate debt securities

Sector

Energy, Materials, Industrials, Consumer Discretionary, Consumer Staples, Health Care,

Financials, Information Technology, Telecommunication Services, and Utilities represent

some of the sectors you can invest in to diversify your portfolio

Management Style

Top-Down (focus on economic outlook), Bottom-up (focus on individual companies),

Growth (focus on rapidly growing companies), Value (focus on companies currentlyunder performing opposite their expected long-term value), and alternative styles of

management.

By investing in a wide variety of assets and investment styles you reduce risk in your investment

portfolio.

NOTE: Any amount that is allocated to a segregated fund is invested at the risk of the policy

holder and may increase or decrease in value.