Sun Life Financial Advisor Administration · PDF fileSun Life Financial Advisor...

Sun Life Financial Advisor Administration Guide

issued by Sun Life Assurance Company of Canadamanaged by CI Investments Inc.

How to complete a SunWise Essential Series Signature Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 y All plan types except TFSA y PIM Account Linking Agreement Form

Five Tips to successfully establish a SunWise Essential Series Contract holding Income Class Units . . . . .8

How to complete a contractual conversion form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9

How to complete subsequent transactions on a SunWise Essential Series Contract . . . . . . . . . . . . . . . . . . . . 11 y How to make a withdrawal y How to make a standard switch (FEL to FEL or DSC to DSC) y How to request a reclassification of units between classes y How to change from the DSC-load option to the ISC (FEL)-load option y How to request the automatic rebalancing service

Age 55 LWA Election . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18

Road maps for SunWise Essential Series . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20

*For details regarding Anti-Money Laundering policies and requirements, please refer to ABC { Home } { Advisor business }

{ Compliance and licensing } Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA)

* For Fund Information, please refer to the SunWise Essential Series Fund Facts under Segregated Funds Documents on Advisor Online

or go to Fund Related Documents on CI.com.

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How to complete a SunWise Essential Series Signature Form

How to complete a SunWise Essential Series signature form for all plan types except TFSA.

MANDATORY FIELDS:I. Contract Type – Section 2II. Dealer and Representative Information – Section 3III. Owner Information – Section 4 (and Section 5 if applicable) i. Name ii. Date of Birth iii. Social Insurance Number (SIN)IV Annuitant Information – Section 6 (applicable only if different from Owner(s)) i. Name ii. Address iii. Date of Birth iv. Country of ResidencyV. LWA Income Streams for the Income Class – Section 8 (mandatory if Income Class units

are purchased) Please note: LWA payments cannot begin if an LWA Income Stream has not been selected or required

information is incomplete. For the Two-Life Income Stream, the Annuitant’s spouse must be the Second Life and the sole primary

beneficiary.VI. Beneficiary Designation – Section 10 If the Two-Life Income Stream has been selected, this section is mandatory and the Annuitant’s spouse

must be the sole primary beneficiary. VII. Owner Acknowledgement/ Authorization – Section 17 i. Owner’s Signature with date ii. Joint Owner’s Signature with date (if applicable) iii. Annuitant’s Signature with date (if Annuitant is not the owner) iv. Second Life’s Signature with date (for Two-Life contracts) v. Signed At (City and Province)VIII. Representative’s Acknowledgement – Section 18

Section 2 (Contract Type)y One contract type must be selected.

Section 3 (Dealer and Representative Information) y Mandatory.

Sections 4 and 5 (Owner Information, Joint, In Trust For or Spousal Registered Plan Information)y The Owner(s) and Annuitant(s) must

all be Canadian residents to establish a contract.

Section 6 (Annuitant Information)y For Joint Ownership contracts, where

the Annuitant section is left blank, the contract will be deemed to have Joint Annuitants. The Death Benefit will be payable only upon the death of the last surviving Annuitant.

PART 1 - CI COPY PART 2 - ADVISOR COPY PART 3 - CLIENT COPY

SunWise® Essential SeriesIndividual Variable Annuity Contract

Electronic Signature Form

SunWise Essential Series Contract Number _________________ ______ Distributor’s Account Number ________________________

2 Contract Type (Select only one)

*Subject to the terms of the applicable endorsement

3 Dealer and RepresentativeInformation

4 Owner Information

The Owner is the Annuitant unlessotherwise noted in Section 6

5 Joint, In Trust For or Spousal Registered Plan Information

Joint Owner and In Trust forContracts are not applicable toRegistered Contracts

Subrogated Policyholders - Quebec residents only: If you (the Owner) and Joint Owner would like to name each other as subrogated policyholders please check here m

6 Annuitant InformationComplete if different from Owner(s)

For Registered Contracts,the Annuitant must be the Owner.

For Non-Registered Joint OwnershipContracts, if no single Annuitant isnamed in this section, the Contract will be deemed to have JointAnnuitants and the Contract MaturityDate will be determined based on theage of the younger Annuitant.

m Mr. m Mrs. m Miss m Ms. m Dr. Gender m Male m Female

Owner's Name (last, first, middle)

Residence Telephone Number Owner's E-mail Address

Date of Birth Social Insurance Number (SIN)

1 Contract Number (if available)

m Non-Registered Individual m Retirement Savings Plan (RSP) m Retirement Income Fund (RIF)m Non-Registered Joint m Spousal RSP m Spousal RIFm Non-Registered In trust for m Locked-in RSP (LRSP)* m Life Income Fund (LIF)*m Non-Registered Estate/Trust m Locked-in Retirement Account (LIRA)* m Locked-in Retirement Income Fund (LRIF)*m Non-Registered Sole Proprietorship m Restricted Locked-in Savings Plan (RLSP)* m Prescribed Retirement Income Fund (PRIF)*m Non-Registered Partnership m Group RSP m Restricted Life Income Fund (RLIF)*m Non-Registered Corporate


Name (last, first, middle)

Date of Birth Social Insurance Number (SIN) Country of Residency

Joint Ownership Information - (Joint Non-Registered Contracts only)

Joint Ownership Type: Signing Authority:

m Joint Owners with Right of Survivorship (not applicable in Quebec) m Only one signature required

m Joint Owners NOTE: If not selected both signatures are required.

Y Y Y Y / M M / D D

M A N D A T O R Y M A N D A T O R Y M A N D A T O R Y

SWES 1109-1158 SIG_E2 (01-12)

M A N D A T O R Y

M A N D A T O R Y

Dealer's Name Representative's Name

Dealer Number Representative Number Telephone Number E-mail Address

Training Supervisor's signature (Quebec Only) X

Sun Life Financial Distributors (Canada) Inc.

3 3 7 9 -

Y Y Y Y / M M / D D

M A N D A T O R Y M A N D A T O R Y


Annuitant's Name (last, first, middle)

Annuitant's Address (if different from Owner) City or Town Province

Postal Code Date of Birth Country of Residency Relationship to Owner

Y Y Y Y / M M / D D

M A N D A T O R Y M A N D A T O R Y

M A N D A T O R Y

M A N D A T O R Y

2 Sun Life Financial Advisor Administration Guide

3


7 Successor Owner

Optional - For Non-RegisteredContracts only

This section should only be completedin situations where the Annuitant is not the Owner.

8 LWA Income Streams for the Income Class (Mandatory)

LWA payments cannot begin if aLWA Income Stream has not been selected.

* Spouse has the meaning as definedby the Income Tax Act

9 LWA Protection Service

10 Beneficiary Designation

For Contracts signed in Quebec the designation of a spouse (married or civil union) as beneficiary is irrevocable unless the Owner checks revocable here: m revocable

For the Two-Life Income Stream option on Registered Plans, you must name your spouse as sole primary beneficiary.

* Relationship of the beneficiary to the Annuitant in all provinces excluding Quebec where the relationship is to the Owner.

11 Banking Authorization

Please attach a void cheque.

CI will add the LWA Protection Service to ensure that withdrawals in your Income Class do not exceed your LWA.

To remove this service please check here m

SWES 1109-1158 SIG_E2 (01-12)

m Pre-Authorized Chequing Plan (PAC) - I (We) authorize CI to make the withdrawals as indicated in the Electronic Application. I (We)confirm that all persons whose signatures are required to authorize bank withdrawals have signed below. Funds withdrawn will be investedaccording to the Investment Direction in the Electronic Application. I (We) understand that I (we) may terminate this authorization by givingCI ten days written notice.

X

Signature(s) Date

Signature(s) required if Depositor(s) is (are) other than the Owner(s) indicated in Section 4 and/or 5.

By signing you confirm the banking information provided in Section 12 and that you have read and agree to the PAC terms and conditions

outlined at the front of this application.

m Automatic Withdrawal Plan - I (We) authorize CI to deposit the income payments directly to my (our) bank account as indicated onthe Electronic Application.

Y Y Y Y / M M / D D

Primary Beneficiary Relationship * Share Contingent Beneficiary Relationship*Name(s) (%) Name(s) (for the adjacent share)

Total 100%

Name of Trustee(s) appointed for minor beneficiary(ies) (appointed administrator in Quebec)_______________________________________

m I have attached a letter of direction with additional/alternate/irrevocable beneficiary instructions.

LWA Income Stream: An LWA Income Stream must be elected at the time of the first deposit into the Income Class and may not bechanged.

m One-Life Income Stream (for Non-Registered Joint Annuitant Contracts please specify below the name of the Annuitant whose agewill be used in determining income stream payments.)

m Two-Life Income Stream (for Two-Life Income Stream the Second Life must be the Annuitant’s spouse* and the Joint Annuitant on aNon-Registered Contract. For Registered Contracts, spousal details must be provided below)

Please complete the information below for Non-Registered Joint Annuitant Contracts electing the One-Life Income Stream orfor Registered Contracts electing the Two-Life Income Stream.

Gender m Male m Female



M A N D A T O R Y

Y Y Y Y / M M / D D



Successor Owner's Name (last, first, middle)

Address City or Town Province

Postal Code Date of Birth Relationship to Owner

Y Y Y Y / M M / D D

M A N D A T O R Y

Section 8 (LWA Income Streams for the Income Class)This section is mandatory for purchases into Income Class units, and must be completed in full to prevent the income stream selection from showing as “Unknown”.y No redemptions can be processed

from the Income Class units if the income stream selection is incomplete.

y For the Two-Life income stream, the Second Life must be the Annuitant’s spouse.

Section 9 (LWA Protection Service)y By removing this service, the client will

no longer be prevented from redeeming more than their LWA entitlement. Redemptions of Income Class units above the annual LWA will negatively affect the GLWB benefits. Please ensure that the client is aware of any implications this might have.

y This service cannot be removed if the LWA Income Stream is not specified (is “Unknown”).

Section 10 (Beneficiary Designation)y For Registered plans with Two-Life Income

Stream option, the Annuitant’s spouse must be the sole primary beneficiary for the guaranteed income benefit to continue uninterrupted after the Annuitant’s death.

Section 11 (Banking Authorization)y For non-registered policies, if the

PAC payor is different than the policy owner, please complete the electronic third party determination section of the electronic SunVision Investment Application.

Section 12(Banking Information/Payment Plan Details)y For joint bank accounts requiring both

signatures, the joint owners must sign this section.

Section 13 (Automatic Withdrawal Plan (AWD) & RRIF/LIF/LRIF/PRIF/RLIF Plan Payment Details)y Income Class withdrawals in excess of

the annual LWA, or for RIF-type plans the greater of the LWA or the Income Class minimum annual payment (LWA RRIF MAP), will have a negative impact on future LWA payments.

Section 14(Withholding Tax)y The withholding tax rate specified

in this section will apply to your automatic withdrawal plan and any ad-hoc withdrawals.

Note: For LIF and LRIF contracts, please attach the appropriate Spousal Consent/Waiver form. Please contact CI Segregated Funds Team at 1-800-563-5181 for a copy of these forms.


12 Banking Information/Payment Plan DetailsPlease attach a void cheque, orcomplete financial information.

For a joint bank account, all Depositors must sign if more than one signature is required on cheques issued against the account.

13 Automatic Withdrawal Plan(AWD) & RRIF/LIF/LRIF/PRIF/RLIF Plan PaymentDetails

Please review the AWD section in the front of this Application forassistance in completing this section.

*Income Class withdrawals in excessof the annual LWA or the Income Classminimum annual payment (MAP),otherwise referred to as LWA RRIFMAP may have a negative impact onfuture LWA payments.

Payments above the LWA that willresult in an excess withdrawal will not be processed in the Income Class if the LWA Protection Service is on.Please see Section 9.

**If your Payment Start Date is prior toJanuary 1 of the year the Annuitant (or,if a Second Life is designated, theyounger of the Annuitant and theSecond Life) turns 65 years of age andyou would like to make the Age 55LWA Election please complete theSunWise Essential Series WithdrawalOrder Ticket and submit along with thisSignature Form.

If you have any questions about thissection please contact CI ClientServices 1-800-563-5181

14 Withholding TaxClient specified withholding tax for RIF/LIF payments

*To determine the rates availableplease visit our website.

15 LIF/LRIF/PRIF/RLIF Information

16 Transaction Authorization


SWES 1109-1158 SIG_E2 (01-12)

Withholding Tax Rate ___________________% (if the rate specified is less than the legislated minimum rate the minimum rate will

apply)

If the rate elected is not supported by CI, CI will round down to the next available rate supported by CI. Federal and Provincial rates for

Quebec are pre-determined by CI based on the rate inputted above*.

Withdrawals m Deposit directly to bank account (You will receive your payments in a more timely manner if you choose this option)

Bank Account Owner(s) Name(s) Bank Name

Bank Address

Bank Number Bank Transit Number Bank Account NumberDeposits

Signature(s) required if Depositor(s) is (are) other than the Owner(s) indicated in Section 4 and/or 5.By signing you confirm the banking information provided in this Section and that you have read and agree to the PAC terms and conditionsoutlined at the front of this Application.

X

SPOUSE: Do you have a spouse or pension partner within the meaning of the applicable pension legislation? m Yes m No

Note: If you have a spouse or pension partner within the meaning of the applicable legislation, then the form noted at the end of this

Application must be fully completed and accompany the Application.

I (We), the Applicant(s) of this Policy, authorize CI to act upon any written contribution, surrender or exchange request relating to thisPolicy. I (We) authorize Sun Life Financial Distributors (Canada) Inc., Sun Life Assurance Company of Canada and any of their agents toact upon any contribution, surrender or exchange request relating to this Policy that they receive orally or by telephone or by electronicmeans, if they reasonably believe that the request was made by me (us).

RRIF/LIF/LRIF/PRIF/RLIF Payment Instructions (The payment date may be between the 1st and 25th of any month)

m The minimum annual payment (MAP) requirements

m The maximum annual gross amount (for LIF/LRIF/RLIF Plans only)

m The annual LWA (for SunWise Essential Series contract holders only)

m An annual amount of $ ___________________________ m Gross or m Net of fees*

I elect the term of RRIF payments be based on m My age m Age of my spouse if younger

Non-Registered AWD Plans

m An annual amount of $ __________________________ m Gross or m Net of fees*

m The annual LWA (for SunWise Essential Series contract holders only)

Payment Instructions (For all regularly scheduled payments)

Payment Method (please select only one)

m Deposit directly to bank account m Mail to Owner(s) at address on file

m Mail to Owner’s alternate address (Indicate address below)

Address City Province Postal Code

Fund Code Surrender Amount$ or %

Payment Frequency (please select only one) Payment Start Date**

Y Y Y Y / M M / D Dm Monthly m Quarterly m Semi-Annually m Annually

Y Y Y Y / M M / D D

(please provide spouse's date of birth)

17 Owner Acknowledgement/Authorization

All Owners, Annuitants and Second Life (if applicable) mustread and sign this Section

Please ensure all mandatorysections have been completed.

18 Representative'sAcknowledgement

All advisors must read and sign this Section


SWES 1109-1158 SIG_E2 (01-12)

I (We) declare that all statements and answers made by me (us) on this Application are fully complete and true.I (We) hereby acknowledge having read the provisions contained in the ”Sun Life Privacy Statement for Canada“ and ”CI InvestmentsPrivacy Statement for Canada“, contained in this Application, and I (we) hereby agree to them and hereby authorize Sun Life AssuranceCompany of Canada and CI Investments to obtain, use, and transmit to its agents and service providers, personal information about me forthe purpose of the administration of this Contract.I (We) request that all documents delivered to me (us) in connection with this Contract be written in English. Je (Nous) demande(ons) quetous les documents qui me (nous) sont remis avec ce contrat soient rédigés en langue anglaise.I (We) acknowledge receipt of the Client Complaint Information document (not applicable to residents of Quebec) and the relationshipbrochure entitled A Clear Connection: Our Relationship with You.I (We) acknowledge receipt of the Individual Variable Annuity Contract and Information Folder and the Fund Facts prior to signing theApplication.I (We) have reviewed and confirmed the accuracy of the information recorded in the Electronic Application on the date as indicated below.I (We) certify that all information in the Electronic Application is full, complete and true, and may be relied upon as if on this signatureform. I (We) agree to provide any further information which may be required in connection with the registration and administration of thisContract.

By completing the Banking Authorization and/or Banking Information/Payment Plan Details section(s), I (we) declare that all persons whosesignatures are required to authorize transactions in the bank account provided have read and agreed to the PAC terms and conditions asoutlined at the front of this Application.

Request for Registration (Must be completed for RSP, LIRA, Locked-In RSP, RLSP, LIF, LRIF, PRIF and RLIF Contracts)m Yes, Sun Life Assurance Company of Canada is requested to register the above policy as a Retirement Savings Plan under the Income

Tax Act (Canada) and under any applicable provincial legislation.m Yes, Sun Life Assurance Company of Canada is requested to register the above policy as a Retirement Income Fund under the Income

Tax Act (Canada) and under any applicable provincial legislation.

Owner's Signature Date

Joint Owner's Signature Date

Annuitant's Signature (Only required if Annuitant is not the Owner) X ____________________________________________Date

Second Life's Signature (must be the spouse of the Annuitant) X ______________________________________________________

Date

Signed At (City and Province) ___________________________________________________________________________________________

I, the advisor, confirm that I have reviewed the details provided in this form with the Applicant/Owner(s) and to the best of my knowledge,unless otherwise noted, these details are full, complete and true. In regard to the purchase of a non-registered product, I the advisor, confirm that all of the identification details provided in this form matchthe original identification documents shown to me.I confirm that I have disclosed to the Owner(s) (a) the companies I represent, (b) that I will receive compensation in the form of commissionsor salary for the sale of this product, (c) that I may also receive additional compensation in the form of bonuses or non-monetary benefitssuch as travel incentives or attendance at conferences, and (d) any conflict of interest I may have with respect to the sale of this product.

Representative's Signature Date

Complete the following if the Representative verifying identity is different from the Servicing Representative (applicable for non-registered

plans only)

Representative's Name Dealer - Representative Number Date

Y Y Y Y / M M / D DX

M A N D A T O R Y X Y Y Y Y / M M / D D

3 3 7 9 -

ANY AMOUNT THAT IS ALLOCATED TO A SEGREGATED FUND IS INVESTED AT THE RISKOF THE CONTRACT HOLDER AND MAY INCREASE OR DECREASE IN VALUE.

Y Y Y Y / M M / D DX M A N D A T O R Y


M A N D A T O R Y

Y Y Y Y / M M / D D

M A N D A T O R Y Y Y Y Y / M M / D D

M A N D A T O R Y

Section 17 (Owner Acknowledgement/Authorization)y The Owner, Joint Owner, Annuitant and

Second Life person (for policies with Income Class units with a Two-Life Income Stream) must sign and date this signature form.

y The Signed At (City and Province) information is mandatory.

Section 18 (Representative’s Acknowledgement)y All advisors must read, sign and date

this section.

Reminders:For non-registered individual, including sole proprietor, policies, if answering ‘yes’ to the third party or Politically ExposedForeign Persons question on the electronic SunVision Investment Application you must complete an E4105.

For corporate, partnership, not for profit and non-corporate entity policies, the following is mandatory:y E4207 – Certificate of incumbencyy E4105 – AML formy Paper copies of all applicable

corporate/entity documents.

5

y PIM investors may link together their accounts into one PIM Household Group for the benefit of reducing management fees and consolidated reporting.

y To qualify, the PIM Household Group must have a minimum aggregate balance of $250,000 in assets and all accounts must have the same registration type (i.e. nominee, intermediary, or client name).

y Ensure the minimum investment of $100,000 per fund is met and maintained.

Section 1 (Define Your PIM Household Group Name)y This section must be completed for

new PIM Household Group set-up.Provide a name of your client’s (clients’) choosing. The name can be no longer than 50 characters – this includes spaces.

Section 2 (Managing Your PIM Household Group) y List all accounts to be linked together

in a new PIM Household Group. You may also indicate to add or delete each account from an existing PIM Household Group.


How to complete the PIM Account Linking Agreement Form for SunWise Essential Series Contracts

Investors of CI Private Investment Management (PIM) may link together their accounts into one PIM Household Group for the benefit of reducing management fees and consolidated reporting. In order to be eligible for account linking, the PIM Household Group must have a minimum aggregate balance of $250,000 in assets.

DEFININg YOUR PIM HOUSEHOLD gROUP

Accounts linked to a PIM Household Group must meet at least one of the following conditions:

• Belong to the same individual, their spouse, or family member residing at the same address• Be a corporate account, where one or more of the individuals in the PIM Household Group has a combined ownership of at least 50% voting equity.

(Please provide a Corporate Resolution and Articles of Incorporation)

Additionally, all accounts linked to a PIM Household Group must:

• Be managed by the same financial advisor• Have the same registration type (i.e. nominee, intermediary, client name)Note: Changes to the dealer and/or advisor for all accounts within the PIM Household Group require authorization from all members. In the case that a portion of the accounts are changing the dealer and/or advisor information, separate PIM Household Groups will need to be established and will be subject to the mandate and/or account minimum.

LINkINg ACCOUNTS

Please provide the PIM accounts that you wish to add or delete for account linking in the table below. Please also indicate the “Primary Account.” The Primary Account will dictate:

• the mailing address for all documentation for this PIM Household Group, including quarterly PIM consolidated statements, year end tax slips and trade confirmations (if that is the arrangement with your dealer), and

• advisor information for the PIM Household Group

1 DEFINE YOUR PIM HOUSEHOLD gROUP NAME

The PIM Household Group name will appear on your PIM quarterly consolidated statements and trade confirmations. If a PIM Household Group name has not been defined, all documentation will default to the account registration of the Primary Account.

PIM Household Group Name: ________________________________________________________________________________________________ (maximum 50 characters)(complete for new PIM Household Groups only)

2 MANAgINg YOUR PIM HOUSEHOLD gROUP

In the table below, indicate the accounts you wish to add or delete for account linking.

If you are amending the linking of accounts that currently reside within an existing PIM Household Group, please indicate the existing PIM Household Group:

______________________________________________________________Indicate an account number belonging to this existing PIM Household Group

If no action has been indicated, it will be assumed that all accounts listed on this form are to be linked. Also, if a Primary Account has not been indicated on this form, the first account indicated in the table below will be assigned as the Primary Account.

Indicate aPrimary

Account*Account Information Action required

CI account number (for new accounts, indicate wire order number) Plan type (i.e. Open, RRSP)

Account registration

Add account to this PIM Household Group

Delete account from this PIM Household Group





CI PRIVATE INVESTMENT MANAgEMENT ACCOUNT LINkINg AgREEMENT

Section 3(Authorization) y Mandatory – All members of the PIM

Household Group and the advisor must sign and date this form.

y How to choose a customized PIM Investment Advisory Fee.

y The PIM investment advisory fee can be customized up to a maximum of 1.25%. The default advisory fee is 1% for balanced and equity funds, 0.5% for income funds and 0% for money market.

y To customize your PIM Investment Advisory Fee, complete the CI Private Investment Management Dealer Service Fee / Service Fee Agreement for Class O Mutual Fund Units, SunWise Essential Series and SunWise Essential Series 2 PIM Units Form.

y Client(s) and the advisor must sign and date the form.

y For a list of PIM fund codes and for further details on CI Private Investment Management program, please visit www.ci.com/PIM.

7

2 MANAgINg YOUR PIM HOUSEHOLD gROUP cont’d

Indicate aPrimary

Account*Account Information Action required









* If the Primary Account becomes inactive, the account with the largest market value in the PIM will default as the new Primary Account for the PIM Household Group.

3 AUTHORIzATION

In order to create a PIM Household Group, all clients indicated on all accounts must sign below and authorize. Note, for existing PIM Household Groups, all members of the PIM Household Group must authorize adding a new member, adding a new account(s) and/or modifying the Primary Account.

I (We) acknowledge and agree that:

(i) Calculations of the tiered management fee rates will be applied upon receipt of the Account Linking Agreement, in good order, by CI Investments Inc. Any modifications made to the Private Investment Management (PIM) Household Group (i.e., removing or adding accounts/contracts/members) will affect the management fee rates that are to be applied.

(ii) I (we) and my (our) advisor are responsible for any modifications, cancellations or additions of accounts belonging to the PIM Household Group. CI Investments Inc. cannot automatically link any accounts without authorization from all members to do so, with the exception of existing linked Registered Retired Saving(s) Plan accounts that rollover into Registered Retirement Income Fund account(s).

(iii) All members in the PIM Household Group will receive consolidated reporting from CI Investments Inc., including a quarterly CI Private Investment Management consolidated statement, trade confirmations, if that is the arrangement with my (our) dealer, and annual tax reporting. All documentation will be sent to the address defined on the Primary Account. Consolidated reporting will include all accounts that I (we) have identified as belonging to this PIM Household Group. Each member hereby agrees to the delivery of all statements, confirmations and tax slips and receipts to the member(s) with the Primary Account and acknowledge that such delivery shall constitute delivery to each member the PIM Household Group.

(iv) By agreeing to link my (our) CI Private Investment Management accounts to the PIM Household Group, personal, confidential and other information, including each PIM Household Group member’s Social Insurance Number which appears on tax slips and receipts, in my (our) accounts will be shared with all the other members in the PIM Household Group.

(v) I (we) have read the Class E Dealer Service Fee Rate Agreement or Dealer Service Fee Agreement for Class O units and I (we) agree that if a PIM Household Group Level Dealer Service Fee rate exists on this PIM Household Group, that this PIM Household Dealer Service Fee rate will be applied to my (our) account(s).

Client Name Client Signature (Mandatory) Date




Advisor Signature (Mandatory) Dealer Rep Code Date

X

X

X

X

X


Five Tips to successfully establish a SunWise Essential Series Contract holding Income Class UnitsTo prevent delays in establishing accounts, please make sure that all fields marked “mandatory” are completed on the signature form.

1. Please review the income stream options carefully to ensure your clients have selected an option that is appropriate for their income needs.

y The income stream options available are One-Life Income Stream or Two-Life Income Stream. y For One-Life Income Stream contracts, annual payments are guaranteed for the life of the

Annuitant. y For Two-Life Income Stream contracts, annual payments are guaranteed for the life of both

the Annuitant and their spouse. y The income stream must be selected when the contract is opened and cannot be changed. y If an income stream has not been selected, the income stream will be set to “Unknown”

and no redemptions will be permitted from the Income Class units. y Guaranteed income payments can start as early as January 1 of the year in which the Annuitant

(or the younger of the Annuitant or the Second Life for Two-Life Income Stream policies) turns 65 years of age.

2. When setting up a contract electronically, ensure the signature form is sent in on the same day to avoid trade restrictions that apply to policies with an “Unknown” income stream.

y Initial trades placed electronically into Income Class units will default to an “Unknown” income stream until the supporting paperwork is received, remember to fax the signature form immediately.

y Sending in the signature form and all relevant documentation will also help ensure that client reporting documents (statements and confirmations) do not show an “Unknown” income stream.

3. When your clients are purchasing Income Class units with a Two-Life Income Stream, please ensure you are aware of the following:

y For all registered contracts, the Annuitant’s spouse must be the sole primary beneficiary. y For non-registered contracts, the contract must have joint Annuitants, where the two Annuitants

are spouses. y Guaranteed income payments will always be based on the age of the younger spouse.

4. Switching from Deferred Sales Charge (DSC) units to Front End Load (or Initial Sales Charge, ISC) units.

y DSC to ISC switches may negatively affect your client’s death, maturity guarantees and GLWB values. This load type change will also affect the 5% Bonus eligibility for the Income Class units. The SunWise Essential Series DSC to ISC Change Request form must be completed in order to request this type of transaction. The client’s signature is mandatory on this form.

5. LWA Protection Service y The LWA Protection Service will automatically apply to all policies where the income stream has

not been selected. This service cannot be removed until the income stream is changed to either One-Life or Two-Life.

Section 1(Conversion Type)y One type must be selected.

Section 2(Owner Information)y Mandatory.

Section 3(Payment Plan Details)y Complete for conversion from RSP to

RIF or LIRA to LIF/LRIF/PRIF.

Section 4(Banking Information)y This section is required if requesting a

PAC or AWD with direct deposit.y Please ensure a void cheque is

attached to avoid processing delays.

Section 5(Withholding Tax)y The withholding tax rate specified in

this section will apply to the automatic withdrawal plan and any ad-hoc withdrawals.

9

Clarica Portfolio, SunWise, SunWise Elite Plus, SunWise Essential Series and SunWise Essential Series 2 Segregated Funds Contractual Conversion Form

RSP to RIF & LIRA to LIF/LRIF/PRIF/RLIF • RIF to RSP & LIF/LRIF/PRIF/RLIF to LIRA To be used for contractual conversions to same product type

2 Owner Information

3 Payment Plan Details Complete for conversion from RSP to

RIF or LIRA to LIF/LRIF/RLIF/PRIF.

RRIF minimum is the minimum annual payment (MAP) as defined by the Income Tax Act for RIF/LIF/LRIF/PRIF/RLIF.

If no date or payment amount

is indicated, CI will pay the RIF/LIF/LRIF/RLIF/PRIF minimum during the month of December, and will redeem units proportionately across all funds.

* For SunWise Elite Plus Contracts, SunWise Essential Series and SunWise Essential Series 2 Income Class Contracts, withdrawals in excess of the annual GWA/LWA or minimum annual payment (MAP) may have a negative impact on future guaranteed payments under the Guaranteed Minimum Withdrawal Benefit for SunWise Elite Plus Contracts and the Guaranteed Lifetime Withdrawal Benefit for SunWise Essential Series and SunWise Essential Series 2 Income Class Contracts.

If you have any questions about this section please contact CI Client Services 1-800-563-5181.

4 Banking Information Please attach a void cheque

5 Withholding Tax

* To determine the rates available, please visit CI AdvisorOnline at www.ci.com/advisoronline

Current Contract Number _________________ _______________ New Sun Life Contract Number ___________________________

m RSP Contract to a RIF Contract m RIF Contract to an RSP Contract m LIF Contract to an RLIF Contract m LIRA Contract to a LIF Contract m Spousal RIF Contract to a Spousal RSP Contract m LIRA Contract to a LRIF Contract m LIRA Contract to a PRIF Contract m Spousal RSP Contract to a Spousal RIF Contract m LIF/LRIF Contract to a LIRA Contract m RLSP Contract to an RLIF Contract* m RLIF Contract to an RLSP Contract* (*not offered for Clarica Portfolio and SunWise Contracts) m Open Contract to an RSP Contract (for Clarica Portfolio Only)

1601-0088_E (4/16)

Withholding Tax Rate ___________________% (If the rate specified is less than the legislated minimum rate the minimum rate will apply)

If the rate elected is not supported by CI, CI will round down to the next available rate supported by CI. Federal and Provincial rates for Quebec are pre-determined by CI based on the rate inputted above.*

m Mr. m Mrs. m Miss m Ms. m Dr.

Owner’s Name (last, first, middle)

Date of Birth Social Insurance Number

M A N D A T O R Y

Y Y Y Y / M M / D D M A N D A T O R Y

M A N D A T O R Y

RRIF/LIF/LRIF/PRIF/RLIF Payment Instructions (The payment date may be between the 1st and 25th of any month)Please accept this as my authorization to surrender sufficient units to provide the stated payment (please choose only one)

m The minimum annual payment (MAP) requirements m The maximum annual gross amount (for LIF/LRIF/RLIF Plans only) m The annual GWA/LWA (for SunWise Elite Plus, SunWise Essential Series and SunWise Essential Series 2 Income Class

contract holders only)

m An annual amount of $________________ m Gross or m Net of fees and withholding taxes*

I elect the term of RRIF payments be based on m My age m Age of my spouse _______________________________________(CI will default to the “My Age” option if not completed)

Payment Method (Please select only one)

m Deposit directly to bank account m Mail to Owner’s at address on file m Mail to Owner’s alternate address (Indicate address below)

Address City Province Postal Code

Y Y Y Y / M M / D D

Withdrawals ❍ Deposit directly to bank account. (You will receive your payment in a more timely manner if you choose this option.) I authorize CI to deposit the income payments directly to my bank account as indicated on the Electronic Application or as indicated in Section 3.

Bank Account Owner(s) Name(s) Bank Name

Bank Number Bank Transit Number Bank Account Number

(Please provide spouse’s date of birth)

Payment Frequency (Please select only one) Payment Start Date

Y Y Y Y / M M / D Dm Monthly m Quarterly m Semi-Annually m Annually

Fund Code Surrender Amount Fund Code Surrender Amount $ or % $ or %

1 Conversion Type (Please choose only one)

Please note that not all conversion scenarios are available for all products. Please consult the appropriate information Folder for valid contract types. If you have any questions please contact CI Client Services at 1-800-563-5181.

How to complete a contractual conversion form

Section 7(Investment Directions)y Only complete for partial conversion

or to change the funds held in the new Contract.

Section 9(Request for Registration and Declarationof Owner/Annuitant)y Mandatory – Owner must sign and date

this section.

Section 10(Dealer and Representative Information)y Mandatory – Advisor must sign and

date this section.


6 LIF/LRIF/PRIF/RLIF Information

7 Investment Directions Only complete for partial conversion

or to change the funds held in the new Contract

8 Transaction Authorization

9 Request for Registration and Declaration of Owner/Annuitant

Complete for all conversion types

10 Dealer and Representative

Information

1601-0088_E (4/16)

SPOUSE: Do you have a spouse or pension partner within the meaning of the applicable pension legislation? ❍ Yes m No

Note: If you have a spouse or pension partner within the meaning of the applicable legislation, then the appropriate spousal consent/waiver form must be fully completed and accompany this conversion form.

For a copy of the spousal consent/waiver forms, please visit www.ci.com, and select “Fund Related Documents” from the “Services” tab. The spousal consent/waiver forms are also available on CI Advisor Online.

New Sun Life Contract Number _________________ ____________

Note: For reclassification requests of SunWise and SunWise Elite contracts please complete the SunWise and SunWise Elite Segregated Funds Service Request. For reclassification requests of SunWise Essential Series and SunWise Essential Series 2 contracts please complete the SunWise Essential Series and SunWise Essential Series 2 Fund Transfers and Reclassifications Order Ticket .

Dealer’s Name Representative’s Name

Dealer - Representative Number

Representative’s Signature Date

Sun Life Financial Distributors (Canada) Inc.

3379 -


I, the Applicant of this Contract, authorize CI to act upon any written contribution, surrender or exchange request relating to this Contract. I authorize Sun Life Financial Distributors (Canada) Inc., Sun Life Assurance Company of Canada and any of their agents to act upon any contribution, surrender or exchange request relating to this Contract that they receive orally or by telephone or by electronic means, if they reasonably believe that the request was made by me.

I confirm that all other terms and conditions of the Contract will remain the same, including the beneficiary designation. I request that Sun Life Assurance Company of Canada convert the Contract to, and register the Contract as a Registered Retirement Savings Plan (RSP), a Retirement Income Fund (RIF), Life Income Fund (LIF), Locked-in Retirement Fund (LRIF), Prescribed Retirement Income Fund (PRIF) or Restricted Life Income Fund (RLIF), as applicable, under the provisions of the Income Tax Act (Canada) and, if applicable, under any provincial pension legislation. I understand the Contract will be subject to the provisions of said legislation. I declare that I am the owner of the Contract. I understand that as a consequence of registering the Contract as a RIF, LIF, LRIF, PRIF or RLIF, the Contract provides that an income will become payable to me, commencing not later than the last day of the first calendar year following the calendar year in which the conversion to a RIF, LIF, LRIF, PRIF or RLIF, as applicable, becomes effective. The maturity date(s) under my original contract will become the maturity date(s) of the amended contract. The maturity and death guarantees under the amended contract will be set equal to the guarantee under your original contract immediately before the effective date of the contract amendment. For Clarica Portfolio contracts, a contractual conversion from RSP/LIRA to RIF/LIF/LRIF/PRIF/RLIF will reduce the death guarantee from 100% to 75%. For SunWise Essential Series and SunWise Essential Series 2 Income Class contracts the originally elected LWA Income Stream will be maintained. I declare that all statements and answers made by me on this form are complete and true. I have reviewed and confirmed the accuracy of the information recorded in the electronic Investment Application (if applicable). By signing below, I confirm that I have read and agree to the information and provisions indicated above.

Signature of Owner Date

Signature of Spouse (Required for Locked-In Plans) Signature of Irrevocable Beneficiary (If applicable)

Signed at (City and Province)

X X

X Y Y Y Y / M M / D D M A N D A T O R Y M A N D A T O R Y

M A N D A T O R Y X

Gross Amount $ or % From: Fund Code (Current Contract) To: Fund Code (New Contract)

1111

How to complete subsequent transactions on a SunWise Essential Series Contract

How to make a withdrawal.If Transaction Authorization (TA) is on file,y Complete the redemption using OrderXPRESS through SunVision Investment Application.

If no Transaction Authorization (TA) is on file,y Complete and have the client sign an Order ticket (4106-E). This form is only available on the online

ordering system.

Important: Early withdrawals before the LWA Eligibility Date (January 1st of the year the younger of the Annuitant or Second Life turns age 65) as well as withdrawals in excess of the annual Lifetime Withdrawal Amount (LWA) may have a negative impact on future guaranteed payments under the Guaranteed Lifetime Withdrawal Benefit (GLWB). Any withdrawal from the GLWB will remove the client’s entitlement for a 5% Bonus at the end of that calendar year. It is recommended that advisors should check the LWA details on eCISS before completing withdrawals to avoid excess withdrawals.

Note: Cheques, electronic funds transfer (EFT) and automatic withdrawal (AWD) payments can only be made payable to the client. Alternate payee instructions will not be accepted.

Important: Income Class unit withdrawals are not permitted if the LWA Income Stream has not been selected.


How to make a standard fund switch (FEL to FEL or DSC to DSC).If Transaction Authorization (TA) is on file,y Complete the fund switch using OrderXPRESS through SunVision Investment Application.

If no Transaction Authorization (TA) is on file,y Complete and have the client sign an Order ticket (4106-E). This form is only available on the online

ordering system.

Note: For a SunWise Essential Series contract, a DSC, DSC free or DSC matured unit switch to FEL fund(s) cannot be completed using the electronic SunVision Investment Application. This type of transaction can only be completed using the SunWise Essential Series and SunWise Essential Series 2 DSC to ISC Change Request form available at www.ci.com/orderform.

SunWise® Essential Series and SunWise® Essential Series 2Fund Transfers and Reclassifications Order Ticket

Complete this form to transfer between Funds of the same Class or to reclassify Units

2 Owner Information

3 Fund Transfers (Switches)

If direction is being provided for a reclassification, please complete the reclassification section below.

For transfers from DSC to ISC please complete the SunWise Essential Series and SunWise Essential Series 2 DSC to ISC Change Request Form.

4 Systematic Transfer Plans

If you would like to have your fund transfer occur systematically please complete this section.

1 Contract Number


Joint Owner’s Name (last, first, middle)

1207-1068_E (08/12)

Contract Number _________________________ ______ Distributor’s Account Number ________________________________

Switch out Switch in

Fund Code m $ m % m Units Fund Code m $ m % m Units

Systematic Plan default for Transfers PAC / AWD / IFEFull Transfer (fund level) Discontinues on source fund Continues on target fundPartial Transfer (fund level) Continues on source fund

Please select one of the following three options to modify the systematic plan default above:m Continue existing systematic plan on the current fund(s) m Stop systematic planm Change of systematic plan instructions provided on letter of direction attached

Change Fee _____________% (up to 2%) Change fees are not permitted on Income Class Units

Frequency

m Weekly m Bi-weekly (every two weeks) m Quarterly m Annually

m Monthly m Bi-monthly (every two months) m Semi-Annually

Start Date _______________________________________________________Y Y Y Y / M M / D D

Section 1 (Contract Number)y Please ensure that the contract number

is provided.

Section 2(Owner Information)y Please ensure to provide the Owner’s

information.

Section 3(Fund Transfers (Switches))y Make sure both source and target fund

codes are indicated.

Section 4(Systematic Transfer Plans)y If the switches requested in Section 3

should be transferred systematically, please ensure the From and To fund codes and amounts are clearly indicated in Section 3, then provide the frequency and start date in Section 4.

13

How to request a reclassification of units between Classesy Complete and have the client sign the SunWise Essential Series and SunWise Essential Series

2 Fund Transfers and Reclassification Order Ticket available at www.ci.com/orderform. Client signature is mandatory regardless of whether Transaction Authorization (TA) is on file.

y This form cannot be used to reclassify multiple SunWise Essential Series contracts. Forms instructing to reclassify multiple contracts will be returned to you unprocessed. Only use one form per contract.

Send completed forms either by fax 1-866-891-5446 or to the Document Centre, 300B25.

Section 5 (Reclassifications)y Complete the From and To selections.y Complete the Fund Instruction in the

chart provided.

Section 6 (Income Class Details)y This section is mandatory for first-

time purchases into Income Class units. Please ensure all details are provided.

y LWA payments cannot begin if an LWA Income Stream has not been selected.


5 Reclassifications

*Reclassification option to Income Class may not be applicable. Please refer to the SunWise Essential Series or SunWise Essential Series 2 Information Folder and Individual Variable Annuity Contract including any Supplements for further details on the reclassification options available to you.

6 Income Class Details

Complete this section when the units being reclassified are the first units purchased into Income Class.

*Spouse has the meaning as defined in the Income Tax Act. The spouse must sign in the Owner Authorization Section of this form.

1207-1068_E (08/12)

m Full reclassification m Partial reclassification $____________________________

Reclassifying from: Reclassifying to:m Investment Class m Investment Classm Estate Class m Estate Classm Income Class m Income Class* (complete Section 6 if Income Class does not currently

exist within your contract)

Note: • Reclassifications out of Investment Class will be processed at market value affecting your Death Benefit Base and Contract

Maturity base. • Reclassifications out of Estate Class will carry over your Death Benefit Base and Contract Maturity base. If you reclassify to

Investment Class the death benefit reduces to 75%. • Reclassifications out of Income Class will be treated as LWA payments for the purpose of the GLWB. The Death Benefit Base

and Contract Maturity base will carry over. If you reclassify to Investment Class the death benefit reduces to 75%.

A M O U N T

g

Systematic Plan default for Reclassifications PAC / AWD / IFEFull Reclassification (fund level) Stops all systematic plansPartial Reclassification (fund level) Continues on source fund

Please select one of the following three options to modify the systematic plan default above:m Continue existing systematic plan on the current fund(s) m Stop systematic planm Change of systematic plan instructions provided on letter of direction attached

Change Fee _____________% (up to 2%) Change fees are not permitted on Income Class Units

Reclassifying from Reclassifying to

Fund Code m $ m % m Units Fund Code m $ m % m Units

LWA Income Stream: An LWA Income Stream must be elected at the time of the first deposit into the Income Class and may not be changed.

m One-Life Income Stream (for Non-Registered Joint Annuitant Contracts please specify below the name of the Annuitant whose age will be used in determining income stream payments.)

m Two-Life Income Stream (for Two-Life Income Stream the Second Life must be the Annuitant’s spouse* and the Joint Annuitant on a Non-Registered Contract. For Registered Contracts, spousal details must be provided below)

Please complete the information below for Non-Registered Joint Annuitant Contracts electing the One-Life Income Stream or for Registered Contracts electing the Two-Life Income Stream.

Gender m Male m Female



M A N D A T O R Y

Y Y Y Y / M M / D D


Fund Instruction for Reclassifications

Contract Number _________________ ____________

7 LWA Protection Service

8 Beneficiary Change Request

*Relationship of the beneficiary is to the Annuitant in all provinces excluding Quebec. In Quebec, the relationship is to the Owner.

For Contracts signed in Quebec the designation of a spouse (married or civil union) as beneficiary is irrevocable unless the Owner checks revocable here: m revocable

9 Owner Authorization (Mandatory)

*LWA Eligibility Date is January 1 of the calendar year in which the Annuitant (or, if the Two-Life Income Stream has been selected, the younger of the An-nuitant and the Second Life) turns 65 years of age or if you have made the Age 55 LWA Election, 55 years of age.

**required when establishing your first deposit into Income Class Units on a Registered Plan. The Second Life must be the spouse of the annuitant

***Limited Trading Authorization dated September 2010 or later on file (Not applicable for Sun Life Advisors)

If you would like to make the Age 55 LWA Election, please complete Section 3 of the SunWise Essential Series and SunWise Essential Series 2 Withdrawal Order Ticket.

10 Representative Authorization (Mandatory)

To be completed by representative.

1207-1068_E (08/12)

For the Two-Life Income Stream option on Registered Plans, you must name your spouse as sole primary beneficiary. If someone other than

the spouse is named beneficiary this will result in cancellation of the LWA payments upon the death of the Owner/Annuitant.

Primary Beneficiary Name(s) Relationship * Share Contingent Beneficiary Name(s) Relationship* (%) (for the adjacent share)

Total 100%

If the beneficiary(ies) predecease(s) the Annuitant, or if applicable, the last surviving Annuitant in the case of joint Annuitants, a contingent

beneficiary for that beneficiary’s share, if still alive at the death of the Annuitant, shall receive that beneficiary’s share of the death benefit.

If no contingent beneficiary for that share is named or is alive at that time, that share shall be payable to the Owner or if the Owner was the

Annuitant, to the estate of the deceased Owner.

CI will add the LWA Protection Service to ensure that withdrawals in your Income Class do not exceed your LWA.

To remove this service please check here m

Your signature below confirms that you understand:

• all possible effects that the requested transaction will have to your contract• that one or more of the transactions you have requested on this form may have a negative impact to your Maturity Benefit, Death

Benefits and GLWB• for the Income Class, units reclassified out will be considered an Early Withdrawal if made prior to the LWA Eligibility Date*and as an

LWA payment reducing your entitlement for the year if made after age the LWA Eligibility Date. Any amount above the LWA entitlement will be considered an Excess Withdrawal. The 5% Bonus is only available in a calendar year if no LWA payments are taken.

• for switches, transfers and reclassifications: I/We hereby authorize CI Investments to buy/sell and or transfer units out of my/our Contracts in accordance with the instructions set out above.

Owner’s Signature Date

Joint Owner’s Signature Date

Irrevocable Beneficiary’s Signature (if applicable)

Second Life’s Signature**

Authorized Representative’s Signature (as per Limited Trading Authorization if applicable)***



X

X

X

X

X

Your signature below confirms you: • have received instructions from your client and direct us to act on the transaction requested and that you have disclosed the possible

effects of the trade to the client.• understand where a client disputes a transaction, all market risk or cost of a trade reversal will be the responsibility of the

representative where client signature has not been obtained.

Representative’s Name Dealer and Representative Number

Representative’s Signature Date M A N D A T O R Y Y Y Y Y / M M / D DX

Contract Number _________________ ____________ Section 7 (LWA Protection Service) y By removing this service the client will

no longer be prevented from redeeming more than their LWA entitlement. Redemptions of Income Class units above the LWA entitlement can negatively affect the GLWB benefits. Please ensure that the client is aware of any implications this might have.

y This service cannot be removed if the LWA Income Stream is not specified (is “Unknown”).

Section 9 (Owner Authorization)y Mandatory – For reclassification

requests, Owner and Joint Owner must sign and date this section.

Note: If a Second Life has been provided, the Second Life must also sign the reclassification form.

Section 10 (Representative Authorization) y Mandatory – Advisor must sign and

date this section.

15

Important to note:y A DSC to ISC transaction may

negatively affect the Contract Maturity and Death Benefits, as well as the GLWB benefit as follows:

y For the Death and Contract Maturity Benefits, the switch-out part of the transaction will proportionately reduce Contract Maturity and Death Benefits as if it were a redemption from the account.

y For the GLWB, the switch-out part of the transaction will be considered an LWA payment reducing the entitlement for the year. Any amount above the LWA entitlement will be considered either an Early Withdrawal or Excess Withdrawal. This transaction will also affect the 5% Bonus eligibility.

Section 1 (Contract Details) y Please ensure that the contract number

and contract Owner’s name are provided.

Section 2 (DSC to ISC Change Details)y For DSC to ISC switch requests where

the fund instructions are changing, please ensure to provide both the source fund(s) and the target fund(s).

Section 3 (Owner Authorization)y Mandatory – Owner and Joint Owner

must sign and date this section.

Section 4 (Representative Authorization)y Mandatory – Advisor must sign and

date this section.


SunWise® Essential Series and SunWise® Essential Series 2DSC to ISC Change Request FormUse this form to switch Fund units from DSC to ISC

Contract Number _________________ _______ __ __ __ __ _ Distributor’s Account Number ________________________ __ ___ __ _ _

Name of Contract Owner(s) (first, middle, last) _________________ ___________________________________________________

2 DSC to ISC Change Details

* Age restrictions apply to the Funds being switched into. Please refer to Deposit restrictions within the SunWise Essential Series or SunWise Esstential Series 2 Information Folder and Individual Variable Annuity Contract including any Supplements for further details.

3 Owner Authorization (Mandatory)

* LWA Eligibility Date is January 1 of the calendar year in which the Annuitant (or, if the Two-Life Income Stream has been selected, the younger of the Annuitant and the Second Life) turns 65 years of age or if you have made the Age 55 LWA Election, 55 years of age.

4 Representative Authorization

To be completed by the representative

1 Contract Details

Please ensure that reclassification instructions are not provided on this form. To reclassify units (from one Class to another) please ensure to use the SunWise Essential Series and SunWise Essential Series 2 Fund Transfers and Reclassifications Order Ticket.

Free Unit DSC to ISC Change Requests (please select all that apply)m Change all Free Units to the same ISC Fund m Change all Mature Units to the same ISC Fund m Change all Free Units to different Fund(s) as indicated below m Change all Mature Units to different Fund(s) as indicated below

For alternative DSC to ISC Changes please complete below:

PAC/AWD Default: CI will move the PAC/AWD to the new Fund on a full Fund change into a single Fund and continue on the current Fund for partials.

Please select one of the following three options should you wish for something different than the default.

m Continue existing PAC/AWD plan on the current Fund m Stop PAC/AWD plan m Change of PAC instructions provided on LOD attached

Change Fee _______% (up to 2%) Change fees are not permitted on Income Class Units

Switch Out Switch In*

Fund Code $,% or Units Fund Code $,% or units Initial Sales Charge (If applic.)

You understand the following when signing this form:• A DSC to ISC transaction may negatively affect your Maturity and Death Benefits. The switch out part of the transaction will

proportionately reduce your Maturity and Death Benefits as if it were a Redemption from your account. • For the Income Class, the switch out part of the transaction will be considered an Early Withdrawal if made prior to the LWA Eligibility

Date* and as an LWA payment reducing your entitlement for the year if made after the LWA Eligibility Date. Any amount above the LWA entitlement will be considered an Excess Withdrawal. The 5% Bonus is only available in a calendar year if no LWA payments are taken.

• DSC redemption fees may apply for the switch out part of this transaction and a new sales charge may apply on the switch in. The switch out part of the transaction may result in a capital gain or a capital loss since it creates a taxable disposition. (Non-registered contracts only)

• If the LWA Protection Service for your contract is active, the service will be temporarily turned off in order to process the transaction.

Your signature below confirms your direction to us to act on the transaction requested above. Your signature also confirms that you have read, understood and agree to accept the above listed possible effects of the switch out and switch in transactions.



Irrevocable Beneficiary Signature (if applicable)



Your signature below confirms you have disclosed the possible effects of the DSC to ISC switch to the client.


Representative’s Signature Date Y Y Y Y / M M / D DX M A N D A T O R Y

1207-1054_E (08/12)

X

How to change from the DSC-load option to the ISC (FEL)-load optionUse the SunWise Essential Series and SunWise Essential Series 2 DSC to ISC Change Request Form

Section 1(Contract Details)y Please ensure that the contract

number is provided.

Section 2 (Owner Information)y Please ensure to provide the Owner’s

information.

Section 3(Select Automatic Rebalancing Method)y Please ensure the Automatic

Rebalancing Option (Fund Level vs. Account Level) is completed.

Section 4 (Create or Change Your Target Weighting)y Please ensure that the funds you

choose to rebalance are within the same guarantee class.

Section 5(Select your Variance)y If you do not wish to have the

default variance (2.5%) apply to your rebalancing service, please ensure to make a selection.

Section 6(Select your Frequency)y If you do not wish to have the default

frequency (quarterly) apply to your rebalancing service, please ensure to make a selection.

Section 7(Owner Authorization)y Mandatory – Owner and Joint Owner

must sign and date this section.

Section 8(Representative Authorization)y Mandatory – Advisor must sign and

date this section.

17

SunWise® Essential Series and SunWise® Essential Series 2Automatic Rebalancing Service Request Form

Use this form to automatically rebalance an account

2 Owner Information

3 Select Automatic Rebalancing Method

4 Create or Change Your Target Weighting

Please note that rebalancing can only be established between Funds of the same Class. To reclassify units from one Class to another please use the SunWise Essential Series and SunWise Essential Series 2 Fund Transfers and Reclassifications Order Ticket.

5 Select your Variance

Defaults to 2.5%, if no selection is made

6 Select your Frequency

*Quarterly = March, June, September and December

*Semi- Annually = June and December

7 Owner Authorization

**Limited Trading Authorization dated September 2010 or later on file (Not applicable for Sun Life Advisors)

8 Representative Authorization

To be completed by the representative

1 Contract Details



Contract Number __________________________ ______ Distributor’s Account Number _________________________________

Processing Rules for the Automatic Rebalancing Form

FUND LEVEL - Fund specific rebalancingWhen rebalancing at the Fund Level, only the Funds listed in the ‘Create or Change Your Target Weighting’ section will be affected. These Funds will be rebalanced as per the weightings indicated by Class. All other Fund holdings within the Class will remain unchanged.

CLASS LEVEL - Class specific rebalancingWhen rebalancing at the Class Level, all holdings in the Class will be affected. All assets in your Class will be switched into only those funds listed in the ’Create or Change Your Target Weighting’ section.

Immediate Rebalancing Request (Optional): Please check below.

m Upon receipt, please rebalance my Fund holding as per the target weighting indicated in Section 4.

Please indicate, to the right, if the switches made within the Automatic Rebalancing Program should be applied at the Fund Level or the Class Level:

m Fund Level m Class Level

If a rebalancing option is not indicated, the Automatic Rebalancing service will default to the Fund Level.

• Please note that both the Initial Sales Charge (ISC) and Deferred Sales Charge (DSC) versions of the same Fund are considered the same Fund. Therefore, only one version (either ISC or DSC) needs to be listed with the target weighting. ISC units will be switched to ISC units, and DSC units will be switched to DSC units.

• Rebalancing is not permitted between load types; example: ISC to DSC or DSC to ISC.

Income Class (GLWB) Fund Breakdown Estate Class Fund Breakdown Investment Class Fund Breakdown Fund Code % Fund Code % Fund Code %

Total 100% Total 100% Total 100%

m 2.5% m 3.0% m 3.5% m 4.0% m 4.5% m 5.0% m 5.5% m 6.0%m 6.5% m 7.0% m 7.5% m 8.0% m 8.5% m 9.0% m 9.5% m 10.0% The same variance will be applicable to all Funds and Classes under the rebalancing service.

m Monthly m Quarterly* m Semi-Annually* m Annually (month) ___________________________

On the first Friday of every month, we will review your account to determine if you are scheduled for a rebalance based upon your instructions. If one or more of your Fund holdings varies from your target allocation by more than your selected variance, we will automatically switch your investments back to your requested allocation. There is no fee for this service. The same frequency will be applicable to all Funds and Classes under the rebalancing service. I (We) hereby authorize CI Investments Inc. to automatically rebalance my (our) CI Contract Classes based on the variance and frequency stated above by switching investments to return to my (our) target Fund allocation if one or more Fund holding(s) vary by more than the selected variance. I (We) understand there may be tax implications for these transactions for Non-Registered Plans. Provided a target Fund has a Fund balance greater than zero, the CI Automatic Rebalancing Program will continue unless CI receives instructions to discontinue. If 100% of one or more target Funds within your target allocation are redeemed or switched/transferred from the target Fund mix, your target Fund allocation will be updated and proportionately allocated to the remaining active Funds in your target allocations.



Authorized Representative’s Signature (as per Limited Trading Authorization if applicable)** X _______________________________

Y Y Y Y / M M / D D

Y Y Y Y / M M / D D

Your signature below confirms you have received instructions from your client and direct us to act on the transaction requested and that you have disclosed the possible effects of the transaction requested to the client.


Representative’s Signature Date Y Y Y Y / M M / D D

1207-1064_E (08/12)

X

X

X

M A N D A T O R Y

M A N D A T O R Y

M A N D A T O R Y

How to request the automatic rebalancing servicey Complete and have the client sign the SunWise Essential Series and SunWise Essential Series 2

Automatic Rebalancing Service Request Form available at www.ci.com/orderform. Client signature is mandatory regardless of whether Transaction Authorization (TA) is on file.

y This form cannot be used to establish rebalancing options for multiple SunWise Essential Series contracts. Forms instructing to rebalance multiple classes or multiple contracts will be returned to you unprocessed. Use only one form per contract.

y Automatic rebalancing cannot be done across fund classes.y Rebalancing is not permitted between load types; example: FEL (ISC) to DSC or DSC to FEL (ISC).

Send the completed form by fax to 1-866-891-5446 or to the Document Centre, 300B25.


Age 55 LWA Election Age 55 LWA Election will be available to all new and existing SunWise Essential Series contractholders that wish to begin receiving Lifetime Withdrawal Amount (LWA) payments between the ages of 55 and 64.

Things to remember regarding the Age 55 LWA Election:• If selected, the Age 55 LWA Election offers guaranteed payments for life of 4% of the LWA Base for One-Life Income Stream, or 3.5%

of the LWA Base for Two-Life Income Stream. Deposits made before the year in which the Annuitant (or, if the Two-Life Income Stream applies, the younger of the Annuitant and his or her spouse or common-law partner) turns 65 years of age will be entitled to GLWB Resets, but will not be entitled to an increase in the LWA Rate if a GLWB Reset occurs at a time when a higher age tier would apply.

• The Age 55 LWA Election can only be removed prior to the first withdrawal under the Age 55 LWA Election. Signed instructions must be received from the client.

• If no withdrawals have been made before January 1 of the calendar year in which the Annuitant (or, if the Two-Life Income Stream has been selected, the younger of the Annuitant and the Second Life) turns 65 years of age, the election will not apply and the LWA Rate will be determined at the time of the first withdrawal.

SunWise® Essential Series and SunWise® Essential Series 2 Withdrawals Order Ticket

Use this form to process a withdrawal from your account, set-up an AWD or to change, add or remove your LWA Protection Service or to make the Age 55 LWA Election.

2 Owner Information

3 Age 55 LWA Election

If you have any questions about this section please contact CI Client Services 1-800-563-5181

4 One-Time Withdrawals

Complete this section if you are doing a one-time withdrawal from your Contract.

5 Automatic Withdrawal Plan (AWD) & RRIF/LIF/LRIF/

PRIF/RLIF Payment Details

*Income Class withdrawals in excess of the annual LWA or RRIF minimum for Income Class (LWA RRIF MAP) may have a negative impact on future LWA payments. Please see Section 6.

Early Withdrawals will have a negative impact on future LWA payments.

Payments above the LWA that will result in an Excess Withdrawal will not be processed if the LWA Protection Service is on.

RRIF minimum is the minimum annual payment (MAP) as defined by the Income Tax Act for RIF/LIF/LRIF/PRIF/RLIF Contracts.

You may redeem your RRIF minimum from any Class of Units you hold.

RRIF minimum for Income Class (LWA RRIF MAP) is the proportion of your RRIF MAP that has been allocated to your Income Class.

If you would like to receive the greater of your LWA or the RRIF minimum for Income Class (LWA RRIF MAP) select the “Maximize my LWA payment” option where applicable.

Signature Guarantee required for net amounts $25,000 or over (Not applicable for Sun Life Advisors).

1 Contract Number

g

g

ggg

Estate Investment Class (%) Class (%)

Total

Y Y Y Y / M M / D D

Estate Investment Class (%) Class (%)

Total

Step 1 - Payment Type: Select one option (options vary by Plan Type), then complete the Payment Fund Breakdown and Payment Frequency, Start Date and Method sections on the next page.

(OPTION A) Non-Registered Plans and TFSAs

1. m Lifetime Withdrawal Amount (LWA) - withdraw only from my Income Class

2. m An annual amount of $_________ m Gross m Net of fees

Select one option below and specify percent allocation:

m LWA and remainder as follows: 100%

m I am not taking LWA payments. Withdraw only from my Estate

and/or my Investment Class as follows: 100%

(OPTION B) Registered Income Plans RIF/LIF/LRIF/PRIF/RLIF

I elect the term of RRIF payments be based on:

m My age m Age of my spouse (CI will default to the “My age” option if not completed)

Please provide spouse’s date of birth: ________________________

Find the section below that indicates the Class of units you hold, and then select one of the applicable payment options.

1. Income Class Units only (I do not hold Estate or Investment Class units)

Select one option below:

m Maximize my LWA payment

m RRIF minimum for Income Class (LWA RRIF MAP) - for clients that only want their minimum even when the LWA is greater

m Locked-In maximum payment amount (only applicable for LIF/LRIF/RLIF)*

m An annual amount of $_________ m Gross m Net of fees*

2. Estate and/or Investment Class Units only (I do not hold Income Class units)

Select one option below and specify percent allocation:

m RRIF minimum as follows: 100%

m Locked-In maximum payment amount (only applicable for LIF/LRIF/RLIF) as follows: 100%

m An annual amount of $ _________ m Gross m Net of fees as follows: 100%



Contract Number _________________ ______________ Distributor’s Account Number _________________________________

Fund Code Amount $ or % Fund Code Amount $ or % Fund Code Amount $ or %

Amount of withdrawal $ ____________________________ m Net or m Gross - Specify your fund breakdown below:

1207-1072 _E (08/12)

This section should only be completed if choosing the Age 55 LWA Election.

To make the Age 55 LWA Election please check here m By electing this option you acknowledge that you have read the applicable sections of the Information Folder and Individual Variable Annuity Contract including any Supplements and you understand the following:• Once the first withdrawal has been made under the Age 55 LWA Election, your LWA Rate will be set to 4% or 3% as outlined in your

Contract for One-Life Income Stream or 3.5% or 2.5% as outlined in your Contract for Two-Life Income Stream for all units purchased before January 1 of the year the Annuitant (or, if a Second Life is designated, the younger of the Annuitant and the Second Life) turns 65 years of age.

• For future GLWB Resets the LWA Base and Bonus Base will have the opportunity for an automatic reset if the market value of your Income Class units is equal to or greater than the LWA Base on that date. The LWA Rate of all units purchased before January 1 of the year the Annuitant (or, if a Second Life is designated, the younger of the Annuitant and the Second Life) turns 65 years of age will not change.

• Once the first LWA payment occurs under the Age 55 LWA Election the Age 55 LWA Election cannot be removed.

How to make the Age 55 LWA Election

19

CI PRIVATE INVESTMENT MANAGEMENT IN SUNWISE ESSENTIAL SERIESCI Private Investment Management (PIM) program will be available to all new and existing SunWise Essential Series contractholders who meet the minimum deposit requirements.

How to purchase PIM in SunWise Essential Series• Minimum investment of $100,000 per fund per account.

How to choose a customized PIM Investment Advisory Fee• The PIM investment advisory fee can be customized up to a maximum of 1.25%. The default advisory fee is 1% for balanced and equity

funds, 0.5% for income funds and 0% for money market.

• Complete the CI Private Investment Management Dealer Service Fee / Service Fee Agreement for Class O Mutual Fund Units & SunWise Essential Series and SunWise Essential Series 2 PIM Units form.

• Client(s) and the advisor must sign and date the form.

How to link accounts within PIM• PIM investors may link together their accounts into one PIM Household Group for the benefit of reducing management fees and

consolidated reporting.

• To qualify, at least one PIM account within the group must maintain a balance of $250,000 in assets and all accounts must have the same registration type (i.e. nominee, intermediary, or client name).

• Complete the CI Private Investment Management Account Linking Agreement.

• All members of the PIM Household Group and the advisor must sign and date the form.

For a list of PIM fund codes and for further details on CI Private Investment Management program, please visit www.ci.com/PIM.

All administrative forms and materials can be viewed at www.sunwiseessentialseries.com in the resource centre, ordered online at www.ci.com/orderform, through AdvisorOnline or by contacting the CI Client Services Segregated Funds Team at 1-800-563-5181, option 2.


Road maps for SunWise Essential SeriesFor more information, please see the following ABC Road Maps for SunWise Essential Series.

ABC Road Maps Path

How do I complete the SunWise Essential Series 2 Individual Variable Annuity Contract Application/Electronic Signature Form including TFSA?

{ Home } { Client service } { Service information } { Road maps - Market-based funds } { Road maps - Market-based funds - CI Investments } { Road map for CI Investments: mutual funds (all registration types) and segregated funds (Clarica Portfolio and SunWise) } { Road map for CI Investments: mutual funds and segregated funds - New accounts } How do I set up a new SunWise Essential Series contract?

How do I set up a new SunWise Essential Series contract?

Processing tips for SunWise Essential Series and SunWise Essential Series 2 contracts

{ Home } { Client service } { Service information } { Road maps - Market-based funds } { Road maps - Market-based funds - CI Investments } { Road map for CI Investments: mutual funds (all registration types) and segregated funds (Clarica Portfolio and SunWise) } { Road map for CI Investments: mutual funds and segregated funds - New accounts } Processing tips for SunWise Essential Series and SunWise Essential Series 2 contracts

Road map for the SunWise Essential Series investing in Private Investment Management (PIM)

{ Home } { Client service } { Service information } { Road maps - Market-based funds } { Road maps - Market-based funds - CI Investments } Road map for the SunWise Essential Series investing in Private Investment Management (PIM)

How do I establish, change or cancel Automatic Rebalancing option for a SunWise Essential Series or a SunWise Essential Series 2 contract?

{ Home } { Client service } { Service information } { Road maps - Market-based funds } { Road maps - Market-based funds - CI Investments } { Road map for CI Investments: mutual funds (all registration types) and segregated funds (Clarica Portfolio and SunWise) } Subsequent transactions/trades

How do I complete an Automatic Withdrawal Plan (AWD) for an existing SunWise Essential Series or a SunWise Essential Series 2 contract?

Sun Life Assurance Company of Canada

227 King Street SouthP.O. Box 1601 STN WaterlooWaterloo, Ontario N2J 4C5

1608-1560-E (11/16)

2 Queen Street East, Twentieth Floor, Toronto, Ontario M5C 3G7 I www.ci.comHead Office / Toronto416-364-1145 1-800-268-9374

Calgary 403-205-43961-800-776-9027

Montreal 514-875-0090 1-800-268-1602

Vancouver 604-681-3346 1-800-665-6994

Client Services English: 1-800-563-5181 French: 1-800-668-3528

For more information about the innovative features

and benefits of SunWise Essential Series,

please visit www.sunwiseessentialseries.com

Sun Life Assurance Company of Canada, a member of the Sun Life Financial group of companies, is the sole issuer of the individual variable annuity contract providing for investment in SunWise Essential Series segregated funds. A description of the key features of the applicable individual variable annuity contract is contained in the Information Folder. ANY AMOUNT THAT IS ALLOCATED TO A SEGREGATED FUND IS INVESTED AT THE RISK OF THE CONTRACT HOLDER AND MAY INCREASE OR DECREASE IN VALUE. ®CI Investments, the CI Investments design, Synergy Mutual Funds, Harbour Advisors, Harbour Funds, and Signature Global Asset Management are registered trademarks of CI Investments Inc. ™Cambridge, Portfolio Series and Signature Funds are trademarks of CI Investments Inc. ®SunWise is a registered trademark of Sun Life Assurance Company of Canada. ®Fidelity Investments and the Fidelity design are registered trademarks of FMR Corp. ®RBC Asset Management is a registered trademark of Royal Bank of Canada. ™TD Asset Management is a trademark of The Toronto-Dominion Bank, used under licence. Franklin Templeton Investments, Franklin Templeton Investments Quotential Program and/or Franklin Templeton Investments and design are registered trademarks of Franklin Templeton Investment Corp. Dynamic Funds™ is a division of Goodman & Company, Investment Counsel Ltd. (“GCICL”). GCICL does not warrant or make any representations regarding the use or the results of the information contained herein in terms of its correctness, accuracy, timeliness, reliability, or otherwise.

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