Sun Life Financial Advisor Administration Guide · Sun Life Financial Advisor . Administration...

Sun Life Financial Advisor Administration Guide

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

SunWise Essential Series 2 Contract Structure − How does Multi-Class Functionality work? . . . . . . . . . . . . . . . . . . 1

How to complete a SunWise Essential Series 2 Application/Electronic Signature Form . . . . . . . . . . . . . . . . . . . . . . . 3y All plan types except TFSAy TFSAy PIM Account Linking Agreement Form

Six Tips to successfully establish a SunWise Essential Series 2 Contract holding Income Class Units . . . . . . . . . . 17

How to complete subsequent transactions on a SunWise Essential Series 2 Contract . . . . . . . . . . . . . . . . . . . . . . . 19y How to make subsequent depositsy How to make a standard fund switch (FEL to FEL or DSC to DSC)y How to make a withdrawaly How to set up an Automatic Withdrawal Plan (AWD)y How to request a reclassification of units between Classesy How to change from the DSC-load option to the ISC (FEL)-load optiony How to request the automatic rebalancing service

ABC Road Maps . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27

Note: 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)

Sun Life Financial Advisor Administration Guide1

SunWise Essential Series 2 Contract Structure – How does Multi-Class Functionality work?

Multi-Class Functionality

y Clients can now hold all guarantee Class options under one contract number.y Only one application/electronic signature form is required if the client wishes to

purchase units offered under different Classes.y Where the plan type has a Minimum Annual Payment, it is calculated at the

contract level.y Beneficiaries are named at the contract level, and they apply to all units or all

guarantee Classes held in the contract.

Benefits of Multi-Class Functionality

y Easier, more efficient reporting – All Classes and tax information are reported together.y RIF Minimum Annual Payment (MAP) calculated at the contract level. y Payment of the MAP or any withdrawals can be requested from any guarantee Class,

or from a combination of guarantee Classes.y 5% Bonus can accrue on Income Class units while receiving income from the

contract (from the other guarantee Classes).

Investment Class Funds

Estate Class FundsIncome Class Funds

❙ LWA❙ LWA RIF MAP

Contract number: 12345678 | Beneficiary: John Doe

DepositsDepositsDeposits

2

❙ Total contract value = $100,000❙ Market Value of Income Class units = $75,000❙ Market Value of Investment Class units = $25,000❙ RIF MAP amount = $8,750❙ LWA = $5,000 (calculated on the Income Class

units only)❙ LWA RIF MAP amount* = $6,562.50

*The maximum amount available for withdrawal from the Income Class units without excess withdrawal penalty is the greater of the LWA or the LWA RIF MAP (in this case $6,562.50).

$75,000

$25,000

Income Class Investment Class

Example:John, an 80 year old client, has a SunWise Essential Series 2 RIF Contract, holding $75,000 in Income Class and $25,000 in Investment Class for a total contract value of $100,000. The RIF MAP calculated for the contract is $8,750.

When withdrawing his RIF MAP, John has the following options:

a) to withdraw his entire MAP of $8,750 from his Investment Class and continue to accumulate 5% bonus entitlement on his Income Class units. *For clients with Estate Class, the same withdrawal logic applies.

b) to withdraw his LWA ($5,000) from the Income Class units and the remainder ($3,750), up to the RIF MAP, from the Investment Class units. *The withdrawal of Income Class units removes the 5% Bonus entitlement on his Income Class units.

c) to maximize his LWA entitlement, withdrawing $6,562.50 from the Income Class units, and the remainder ($2,187.50), up to the RIF MAP, from the Investment Class units. *The withdrawal of Income Class units removes the 5% Bonus entitlement on his Income Class units.


Important: Initial trades electronically placed into Income Class units will automatically show the Income Stream as “Unknown” until the SunWise Essential Series 2 Application/Electronic Signature Form is received indicating either One-Life or Two-Life Income Stream. It is recommended that you fax the SunWise Essential Series 2 Application/Electronic Signature Form the same day the trade is placed to ensure the income stream selection is updated.

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

Please refer to the section “What you understand and agree to when you sign this Application” on the SunWise Essential Series 2 Application/Electronic Signature Form for more details.

All clients must complete the electronic SunVision Investment Application and SunWise Essential Series 2 Application/Electronic Signature Form in order to establish a contract.

How to complete a SunWise Essential Series 2 Application/Electronic Signature Form for all plan types except TFSA

MANDATORY FIELDS:I. Contract Number – Section 1II. Contract Type – Section 2III. Dealer and Representative Information – Section 3 i. Representative NumberIV. Owner Information – Section 4 (and Section 5 if applicable) i. Name ii. Address iii. Country of Residency iv. Date of Birth v. Social Insurance Number (SIN) vi. FATCA InformationV Annuitant Information – Section 6 (applicable only if different from Owner(s)) i. Name ii. Address iii. Date of Birth iv. Country of ResidencyVI. LWA Income Streams for the Income Class – Section 8 (mandatory at the time of the first

deposit into the Income Class and may not be changed) 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.VII. 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. VIII. Identity Verification, Third Party Determination and Politically Exposed Foreign

Person Information – Section 18 Mandatory for all non-registered contracts unless the Electronic Application is completed

with the client present. IX. Owner Acknowledgement/ Authorization – Section 20 i. Owner’s Signature with date ii. Joint Owner’s Signature with date (if applicable) iii. Parent/Guardian Signature with date (if applicable) iv. Annuitant’s Signature with date (if Annuitant is not the owner) v. Second Life’s Signature with date (for Two-Life contracts) vi. Signed At (City and Province)X. Entity Signing Officer Certification - Section 21 Mandatory for corporation, partnership, trust, not for profit, etc.XI. Representative’s Acknowledgement – Section 22 i. Representative’s signature and date

How to complete a SunWise Essential Series 2 Application/Electronic Signature Form

4

Section 1 Contract Number (If available)y Mandatory – Specify if the account

was established electronically with the client present .

Section 2 Contract Typey Mandatory – One contract type

must be selected

Section 3 Dealer and Representative Informationy Mandatory

Sections 4 and 5 Owner Information, Joint, In Trust For or Spousal Registered Plan Informationy Mandatory – The Owner(s) and

Annuitant(s) must all be Canadian residents to establish a contract.

y For individual/joint non-registered contract owner(s), if answering “yes” to the U.S. resident for tax purposes question, please provide a U.S. Taxpayer Identification Number (TIN).

y For entity applicants (corporations, partnerships, trusts, etc.) the Declaration of FATCA classification for an entity form (4545) is MANDATORY.

Section 6Annuitant Informationy 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.

y For Joint Annuitants contracts, where at least one of the Annuitants is different than the Owner(s), please provide both Annuitants information by completing section 6 of the Application/Electronic Signature Form for the first Annuitant, and section 3 of SunWise, SunWise Elite including SunWise Elite Plus, SunWise Essential Series and SunWise Essential Series 2 Non-Financial Change Request Form for the Joint Annuitant.

SunWise® Essential Series 2Individual Variable Annuity ContractApplication/Electronic Signature Form

(MANDATORY)Has the account opening information been entered electronically with the client present?� Yes � No If no, attach the additional account opening documents.SunWise Essential Series 2 Contract Number _________________ ______ Dealer’s Account Number _________________________

Dealer's Name Representative's Name

Dealer Number Representative Number Telephone Number E-mail Address

Supervisor's Signature X

2 Contract Type (Select only one)*Subject to the terms of the applicable endorsement

**4105 form is required unless theElectronic Application iscompleted with the clientpresent.

3 Dealer and Representative Information

4 Owner Information

The Owner is the Annuitant unlessotherwise noted in Section 6

For entity applicants (corporations,partnerships, trusts, etc.) theDeclaration of FATCA classificationfor an entity form (4545) isMANDATORY.

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 �

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.

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

Owner's Name (last, first, middle)

Owner's Address City or Town Province

Postal Code Country of Residency Residence Telephone Number

Date of Birth Social Insurance Number (SIN) Owner's E-mail Address

Mandatory for all Non-Registered Contracts - The following question should be answered only by an individual owner/applicant.

Are you a U.S. resident for tax purposes (which includes a U.S. citizen)?�� Yes � NoIf yes, provide a U.S. Taxpayer Identification Number (TIN)______________________

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

1 Contract Number (if available)

M A N D A T O R Y

-

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


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: � Joint Owners with Right of Survivorship (not applicable in Quebec) � Only one signature required� Joint Owners NOTE: If not selected both signatures are required.

Mandatory for all Non-Registered Contracts - The following question should be answered only by an individual owner/applicant.

Are you a U.S. resident for tax purposes (which includes a U.S. citizen)?�� Yes � NoIf yes, provide a U.S. Taxpayer Identification Number (TIN)______________________

Y Y Y Y / M M / D DM 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


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

1412-1843_E (12-14) SWES2 SIG APP

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

M A N D A T O R Y

M A N D A T O R Y

Sun Life Financial Distributors (Canada) Inc.

3 3 7 9 -

THREE COPIES OF THIS APPLICATION ARE REQUIRED TO BE PRINTED AND SIGNED BY THE CLIENTPART 1 - CI COPY PART 2 - ADVISOR COPY PART 3 - CLIENT COPY


Section 8 LWA Income Streams for the Income ClassThis section is mandatory for initial deposits 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 Servicey 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 Designationy 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 Investment Directionsy Please ensure that the funds and

their respective fund codes are available for the Class selected.

y Ensure that the minimum initial deposit of $25,000 for Income Class is met.

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: � revocable

For the Two-Life Income Stream 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.

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.

� 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.)

� 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 � Male � Female



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 �

1412-1843_E (12-14) SWES2 SIG APP


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

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) _______________________________________

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

M A N D A T O R Y

Fund Code Initial Sales Gross Amount PAC Amount Fund Code Initial Sales Gross Amount PAC Amount Charge $ or % $ or % Charge $ or % $ or %

(if applicable) (if applicable)

%

%

%

%

%

� Cheque in the amount of $ ______________________________________________________________________________

� Transfer $ __________________ from another financial institution ____________________________(T2033/T2151/TD2 attached)

� Transfer $ __________________ from an existing CI account __________________________________________________

A M O U N T

I N S T I T U T I O N N A M E

Class Contract DeathGuarantee Guarantee

Income 75% 100%

Estate 75% 100%

Investment 75% 75%

A M O U N T

A M O U N T C I A C C O U N T N U M B E R

%

%

%

%

%

11 Investment DirectionsThe fund code will determine theguarantee Class and sales chargeoption of the units.

Please specify your PAC details in Section 12.

By making deposits into the Estate Class or Income Class you acknowledgehaving read the applicable sections ofthe Information Folder and IndividualVariable Annuity Contract including anySupplements and agree to the applicable fees.

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


6

Section 12Pre-Authorized Chequing Plan (PAC)y Mandatory – For non-registered

contracts, if the PAC payor is different than the policy owner, please complete Section 2 of the E4105 (Identity verification, third party determination and politically exposed foreign persons (PEFP) form) and have the payor sign in this section.

y For joint bank accounts requiring both signatures, the joint owners must sign in this section.

Section 13Automatic Withdrawal Plan (AWD) & RRIF/LIF/LRIF/PRIF/RLIF Plan Payment Detailsy For non-registered contracts, please

complete steps 1 (Option A), 2 and 3.y For registered contracts, please

complete steps 1 (Option B), 2 and 3.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.

y In the example illustrated on this page, the client elected to receive their contract MAP by withdrawing from their Estate Class units and Investment Class units only. By not making withdrawals from Income Class, the client is maximizing their future guaranteed income by taking full advantage of their 5% Bonus entitlement available in Income Class.

12 Pre-Authorized Chequing Plan(PAC)

Please complete Section 15 and specify the fund breakdown in the PAC amount column in Section 11.

� I (We) choose to receive planpayment confirmations. (All Owners receive annual statements detailing transactionsin their Contract).

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

Please review the AWD description in thefront of this Application for assistance incompleting this section.

*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.

Payments above the LWA that will resultin an Excess Withdrawal will not beprocessed if the LWA Protection Service is on.

Please see Section 9.

RRIF minimum is the minimum annualpayment (MAP) as defined by the IncomeTax Act for RIF/LIF/LRIF/PRIF/RLIFContracts.

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

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

If you would like to receive the greater ofyour LWA or the RRIF minimum for IncomeClass (LWA RRIF MAP) select the"Maximize my LWA payment" optionwhere applicable.

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

PAC amount $ ____________________________ (Please ensure you meet the minimum required amount.)

Payment Frequency (please select only one) Payment Start Date

� Weekly � Bi-weekly � Monthly � Bi-monthly� Quarterly � Semi-Annually � Annually

Signature(s) Date

Signature(s) required if Depositor(s) is (are) other than the Owner(s) indicated in Section 4 and/or 5. For a joint bank account, all Depositorsmust sign if more than one signature is required on cheques issued against the account.By signing you confirm the banking information provided in Section 15 and that you have read and agree to the PAC terms and conditionsoutlined at the front of this Application.

Y Y Y Y / M M / D D

1412-1843_E (12-14) SWES2 SIG APP

Y Y Y Y / M M / D D

g

g

ggg

g

g

g

g

g

g

Estate InvestmentClass (%) Class (%)

Total


Total


Total


Total


Total

X

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

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

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

Select one option below and specify percent allocation:

� LWA and remainder as follows: 100%

� 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:

� My age � 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:

� Maximize my LWA payment

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

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

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

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


� RRIF minimum as follows: 100%

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

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

3. Income Class in combination with Estate and/or Investment Class (I hold units from multiple Classes including Income Class)

Select option a, b or c below:

a) � RRIF minimum . . . .


� Maximize my LWA payment and withdraw remainder as follows: 100%



b) � An annual amount of $_________ � Gross � Net of fees





c) � Locked-In maximum payment amount (only applicable for LIF/LRIF/RLIF)


� Maximize my LWA payment and withdraw remainder as follows: 100%� I am not taking LWA payments. Withdraw only from my Estate


Y Y Y Y / M M / D D




� I (We) choose to receive planpayment confirmations. (All Owners receive annual statements detailing transactionsin their Contract).














Signature(s) Date


Y Y Y Y / M M / D D

1412-1843_E (12-14) SWES2 SIG APP

Y Y Y Y / M M / D D

g

g

ggg

g

g

g

g

g

g


Total


Total


Total


Total


Total

X









































Y Y Y Y / M M / D D


x

20% 80%x


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

**If your Payment Start Date is prior to January 1 of the year theAnnuitant (or, if a Second Life isdesignated, the younger of theAnnuitant and the Second Life) turns 65 years of age and you would like to make the Age 55 LWAElection please complete theSunWise Essential Series andSunWise Essential Series 2Withdrawal Order Ticket and submitalong with this Application Form.

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

14 Withholding TaxClient specified withholding tax for RIF/LIF payments

*To determine the rates availableplease visit the CI website.

15 Banking Information/Payment Plan Details

Please complete for Section 12and/or 13 and attach a void cheque

16 LIF/LRIF/PRIF/RLIF Information

17 Group Retirement Savings Plans

Not applicable for LIRA/RLSP/ RIF/LIF/LRIF/PRIF/RLIF

18 Identity Verification, Third Party Determination and Politically Exposed Foreign Person Information

For Corporate, Partnership, Estate and Trust Contracts, the 4105 form is required unless the ElectronicApplication is completed withthe client present.

Withdrawals ❍ Deposit directly to bank account. (You will receive your payments in a more timely manner if you choose this option.)I (We) authorize CI to deposit the income payments directly to my (our) bank account as indicated on the Electronic Application or asindicated in Section 13.

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

Bank Number Bank Transit Number Bank Account Number

SPOUSE: Do you have a spouse or pension partner within the meaning of the applicable pension legislation? � Yes � NoNote: If you have a spouse or pension partner within the meaning of the applicable legislation, then the form noted at the end of thisApplication must be fully completed and accompany the Application.

This section is Mandatory for all Non-Registered Contracts, unless the Electronic Application is completedwith the client present.Owner's Information

Verification Document Document Number Province and Country of Issue Detailed Occupation

Joint Owner's Information

Verification Document Document Number Province and Country of Issue Detailed OccupationProvide the source of payments for this Application/Contract (select all that apply). � Applicant/Owner’s savings� salary or earned income � borrowed funds � proceeds from death benefits or estate � existing investment account � pension income � inherited funds � business income � existing internal policy � social benefits � gifted funds � sale of property � other (________________)

1412-1843_E (12-14) SWES2 SIG APP

I certify that I am an employee of the company or association named in this section and hereby authorize such employer or association todeduct from my earnings and remit contributions to the CI Investments Group Plan (as indicated in Section 11) and to assist in theadministration of the Plan as my agent and, where applicable, as agent of my spouse or common-law partner and to include suchcontribution in computing the amount of withholding tax required under applicable tax legislation.

Group Company Name Employee's Signature

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*

Y Y Y Y / M M / D D� Monthly � Quarterly � Semi-Annually � Annually Payment Method

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

� Deposit directly to bank account (please complete Section 15)� Mail to Owner's address on file� Mail to Owner’s alternate address (indicate address below)

Address City Province Postal Code

Step 3 - Payment Frequency, Start Date and Method:The payment date must be between the 1st and 25th of any month for Registered Income Plans (RIF/LIF/LRIF/PRIF/RLIF).

Income Class (LWA) Fund Breakdown Estate Class Fund Breakdown Investment Class Fund BreakdownFund Code % Fund Code % Fund Code %

Total 100% Total 100% Total 100%

Complete if you indicated in Step 1 that you are taking payments from Income Class (LWA).

Complete if taking payments from Estate and/or Investment Class. Be sure you have filled out the Class percent (%) allocation in Step 1 for the payment option chosen.

Step 2 - Payment Fund Breakdown: For each Class you indicated above, provide your fund breakdown. Use percentages only andensure each Class you elect has a payment that totals 100%.

X


Section 14Withholding Taxy The withholding tax rate specified

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

Section 15 Banking Information/Payment Plan Detailsy Mandatory – For non-registered

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

y This section is required if requesting an AWD with direct deposit or a PAC.

Section 16LIF/LRIF/PRIF/RLIF Informationy 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.

Section 18Identity Verification, Third Party Determination and Politically Exposed Foreign Person Informationy For individual non-registered,

including sole proprietor contracts, if answering “yes” to the third party or Politically Exposed Foreign Persons question, please attach the completed:

– E4105 – Identity verification, third party determination and politically exposed foreign persons (PEFP) form

y When establishing corporate, partnership, not-for-profit or non-corporate entity contracts, please attach the completed:

– E4207 – Certificate of incumbency – E4105 – Identity verification,

third party determination and politically exposed foreign persons (PEFP) form

– Paper copies of all applicable corporate/entity documents.

8

18 Identity Verification, Third Party Determination and Politically Exposed Foreign Person Information (cont’d)

19 Transaction Authorization

20 Owner Acknowledgement/Authorization

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

Please ensure all mandatorysections have been completed.

*Parent/Guardian Signature is onlyrequired for In Trust For contractswhere the Beneficial Owner is underthe age of 16 (18 in Quebec).

I (We) acknowledge that the application consists of this Application/Electronic Signature Form and any information submitted through theElectronic Application.I (We) hereby acknowledge having read the provisions contained in the ”Sun Life Financial Privacy Statement for Canada“ and ”CI Investments Privacy Statement for Canada“, contained in this Application, and I (we) hereby agree to them and hereby authorize SunLife Assurance Company of Canada and CI Investments to obtain, use, and transmit to its agents and service providers, personalinformation about me for the 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 Individual Variable Annuity Contract and Information Folder including any Supplements, and the FundFacts prior to signing the Application.I (We) acknowledge receipt of the relationship brochure entitled A Clear Connection: Your Relationship with Sun Life Financial.I (We) certify that all information recorded in the Application, which consists of this signed document together with the ElectronicApplication, if applicable, may be relied upon as full, accurate, complete and true. I (We) agree to provide any further information which may be required in connection with the registration and administration of thisContract.

By completing the Pre-Authorized Chequing Plan (PAC) and/or Banking Information/Payment Plan Details Section(s), I (we) declare that allpersons whose signatures are required to authorize transactions in the bank account provided have read and agreed to the PAC terms andconditions as outlined 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)� 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.� 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

Parent/Guardian Signature* Date

Annuitant’s Signature Date

(Only required if Annuitant is not the Owner. Parent/Guardian signature is required where the Annuitant is not the Owner and is under theage of 16 or 18 in Quebec)

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

Signed At (City and Province) ___________________________________________________________________________________________

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


Y Y Y Y / M M / D D

What is the purpose and intended use of the product applied for (including an annuity product which may include periodicpayments at some point under the contract)?� savings � cash reserves � educational purposes � vacation fund � retirement savings � income � emergency fund � legacy/inheritance � other (________________)

Is a third party involved with this Contract, or will a third party pay for this Contract, or have the use of, or access to, theContract value?� Yes � No If yes, the 4105 form is required unless the Electronic Application is completed with the client present.

To the best of the Applicant's/Owner's knowledge, has the Applicant/Owner or any close relatives (living or deceased) beenconsidered a Politically Exposed Foreign Person (PEFP)?� Yes � No If yes, the 4105 form is required unless the Electronic Application is completed with the client present.

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


M A N D A T O R Y



1412-1843_E (12-14) SWES2 SIG APP

M A N D A T O R Y

Section 20 Owner Acknowledgement/Authorizationy For Registered Contracts complete

the Request for Registration.y Mandatory – The Owner, Joint

Owner and Annuitant must sign and date this application.

y For Registered Contracts the Second Life’s signature is mandatory if the Two-Life Income Stream is chosen.

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

y If the account is an In-Trust-For Contract where the Beneficial Owner is younger than 16 years of age (18 for Quebec), a Parent or legal Guardian Signature is required.


Section 21 Entity Signing Officer Certificationy Mandatory – Corporation,

partnership,trust, not for profit, etc. must read, sign and date this section.

Section 22 Representative’s Acknowledgementy Mandatory – All advisors must read, sign and date this section.

I, the undersigned, confirm that I am duly authorized by the applicant to act on their behalf in responding to questions on this form. I furtherconfirm that, to the best of my knowledge, information provided is true and accurate with the understanding that Sun Life Financial will relyon such information to conduct customer due diligence and to satisfy applicable regulatory requirements.

Entity signing officer signature (indicate title of signing officer) Date



21 Entity Signing OfficerCertification

This Section is MANDATORY forcorporation, partnership,trust, not for profit, etc.

22 Representative'sAcknowledgement

All advisors must read and sign this Section




1412-1843_E (12-14) SWES2 SIG APP


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

With the understanding that Sun Life Financial will rely on the information to conduct customer due diligence and to satisfy applicableregulatory requirements, I, the advisor, confirm that I have reviewed the details provided in this form with the Applicant/Owner(s) and to thebest of my knowledge, unless otherwise noted, these details are full, complete and true. In regard to the purchase of a non-registeredproduct, I the advisor, confirm that all of the identification details provided in this form match the original identification documents shown tome. I confirm that I have disclosed to the Owner(s) (a) the companies I represent, (b) that I will receive compensation in the form ofcommissions or salary for the sale of this product, (c) that I may also receive additional compensation in the form of bonuses or non-monetarybenefits such as travel incentives or attendance at conferences, and (d) any conflict of interest I may have with respect to the sale of thisproduct.

Representative's Signature Date

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

Representative's Name Dealer - Representative Number Date

Y Y Y Y / M M / D D

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

3 3 7 9 -

10

Important: Initial trades electronically placed into Income Class units will automatically show the Income Stream as “Unknown” until the SunWise Essential Series 2 TFSA Application/Electronic Signature Form is received indicating either One-Life or Two Life Income Stream. It is recommended that you fax the SunWise Essential Series 2 TFSA Application/Electronic Signature Form the same day the trade is placed to ensure the income stream selection is updated.

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

Reminder: The Planholder is required to be the Annuitant on TFSA plan types, as they are considered registered plans.

Please refer to the section “What you understand and agree to when you sign this Application” on the SunWise Essential Series 2 TFSA Application/Electronic Signature Form for more details.

How to complete a SunWise Essential Series 2 TFSA Application/Electronic Signature form

All clients must complete the electronic SunVision Investment Application and SunWise Essential Series 2 TFSA Application/Electronic Signature Form in order to establish a contract.

MANDATORY APPLICATION FIELDS:I. Contract Type and Contract Number – Section 1II. Dealer and Representative Information – Section 2 III. Planholder information – Section 3 i. Name ii. Address iii. Country of Residency iv. Date of Birth v. Social Insurance Number (SIN)IV. Beneficiary Designation – Section 4 If the Two-Life Income Stream has been selected for registered contracts, this section is

mandatory and the Annuitant’s spouse must be the sole primary beneficiary.V. LWA Income Streams for the Income Class – Section 5

(Mandatory at the time of the first deposit into the Income Class and may not be changed.) 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. Planholder Acknowledgement/Authorization – Section 13 i. Planholder’s Signature with date ii. Signed At (City and Province)VII. Representative’s Acknowledgement – Section 14 i. Representative’s signature and date


SunWise® Essential Series 2 Individual Variable Annuity ContractTax-Free Savings Account (TFSA) Application/Electronic Signature Form

SunWise Essential Series 2 Tax-Free Savings Account Amended

2 Dealer and Representative Information

3 Planholder Information

The Planholder is required to be theAnnuitant

4 Beneficiary Designation

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

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

5 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

1 Contract Type and Contract Number (if available)

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.

� One-Life Income Stream

� Two-Life Income Stream (for Two-Life Income Stream the Second Life must be the Annuitant’s spouse* Spousal details must beprovided below)

Please complete the Spousal information below when electing the Two-Life Income Stream.

Gender � Male � Female



1412-1837_E (12/14)

Primary Beneficiary Relationship to Share Contingent Beneficiary Relationship toName(s) Annuitant (%) Name(s) (for the adjacent share) Annuitant

Total 100%

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

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

M A N D A T O R Y

Y Y Y Y / M M / D D



Planholder's Name (last, first, middle)

Planholder's Address City or Town Province

Postal Code Country of Residency Residence Telephone Number

Date of Birth Social Insurance Number (SIN) Planholder’s E-mail Address

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

M A N D A T O R Y

Contract Type (Select only one)� Individual TFSA � Group TFSA

(MANDATORY)Has the account opening information been entered electronically with the client present?� Yes � No If no, attach the additional account opening documents

SunWise Essential Series 2 Contract Number _________________ ______ Dealer’s Account Number _________________________

Dealer's Name Representative's Name

Dealer Number Representative Number Telephone Number E-mail Address

Supervisor's Signature X

M A N D A T O R Y

-

Sun Life Financial Distributors (Canada) Inc.

3 3 7 9 -

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

Section 1 Contract Type and Contract Number (If available)y Mandatory – Please ensure either

Individual or Group is selected. y Mandatory – Specify if the account

was established electronically with the client present.

Section 2 Dealer and Representative Informationy Mandatory

Section 3Planholder Informationy The Planholder must be a

Canadian resident in order to establish a contract.

Section 4Beneficiary Designationy For TFSA plans where the

Two-Life Income Stream option has been selected, the Planholder’s spouse must be the sole primary beneficiary for the guaranteed income benefit to continue after the Planholder’s death. Please ensure the appropriate beneficiary designation is made for clients selecting the Two-Life Income Stream.

Section 5LWA Income Streams for the Income Classy This section is mandatory for

initial deposits into Income Class units. Please ensure this section is completed in full to prevent the income stream selection from showing as “Unknown”.

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

12

Section 6 LWA Protection Servicey By removing the 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.


Section 7Investment Directionsy Please ensure that the funds and

their respective fund codes are available for the Class selected.

Section 8Pre-Authorized Chequing Plan (PAC)y For joint bank accounts requiring

both signatures, the joint owners must sign in this section.


7 Investment DirectionsThe fund code will determine theguarantee Class and sales chargeoption of the units.

Please specify your PAC details in Section 8.

By making deposits into the Estate Class or Income Class you acknowledgehaving read the applicable sections ofthe Information Folder and IndividualVariable Annuity Contract including any Supplements and agree to theapplicable fees.



� I choose to receive plan paymentconfirmations. (The Planholder will receive annual statements detailing transactions in their Contract).


To remove this service please check here �




Signature(s) Date

Signature(s) required if Depositor(s) is (are) other than the Planholder indicated in Section 3. For a joint bank account, all Depositors must

sign if more than one signature is required on cheques issued against the account.

By signing you confirm the banking information provided in Section 10 and that you have read and agree to the PAC terms and conditions

outlined at the front of this Application.

Y Y Y Y / M M / D D

1412-1837_E (12/14)

Y Y Y Y / M M / D D

Fund Code Initial Sales Gross Amount PAC Amount Fund Code Initial Sales Gross Amount PAC Amount Charge $ or % $ or % Charge $ or % $ or %

(if applicable) (if applicable)

%

%

%

%

%

� Cheque in the amount of $ ______________________________________________________________________________

� Transfer $ __________________ from another financial institution ____________________________(T2033/T2151/TD2 attached)

� Transfer $ __________________ from an existing CI account __________________________________________________

A M O U N T

( I N S T I T U T I O N N A M E ) A M O U N T

A M O U N T ( C I A C C O U N T N U M B E R )

%

%

%

%

%

Class Contract DeathGuarantee Guarantee

Income 75% 100%

Estate 75% 100%

Investment 75% 75%


X


9 Automatic Withdrawal Plan(AWD)

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

Income Class withdrawals in excess ofthe annual LWA may have a negativeimpact on future LWA payments.

Payments above the LWA that willresult in an Excess Withdrawal will notbe processed if the LWA ProtectionService is on.


*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 and SunWise Essential Series 2Withdrawal Order Ticket and submitalong with this Application Form.

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

10 Banking Information/PaymentPlan DetailsPlease complete for section 8 and/or 9and attach a void cheque

11 Group TFSA


1412-1837_E (12/14)

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

I authorize CI to deposit the payments directly to my bank account as indicated on the Electronic Application or as indicated in Section 9.



I certify that I am an employee of the company or association named in this section and hereby authorize such employer or association to

deduct from my earnings and remit contributions to the CI Investments Group Plan (as indicated in Section 7) and to assist in the

administration of the Plan as my agent.

I understand that only the issuer has the authority to amend the arrangement and the ultimate responsibility for administering the

arrangement lies with the issuer.

Group Company Name ____________________________________________________________________________________

Employee's Signature _____________________________________________________________________________________

I, the Planholder 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.

Step 1 - Payment Type: Select one option, then complete the Payment Fund Breakdown and Payment Frequency, Start Date and Method sections below.

a. � Lifetime Withdrawal Amount (LWA) - withdraw only from my Income Class

b. � An annual amount of $_________ � Gross � Net of fees





g

g


Total


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

� Deposit directly to bank account (please complete Section 10) � Mail to Planholder’s address on file � Mail to Planholder’s alternate address (indicate address below)


Step 3 - Payment Frequency, Start Date and Method:




Complete if you selected option b in Step 1. Be sure you have filled out the Class percent (%) allocation in Step 1 for the payment option chosen.



X

9 Automatic Withdrawal Plan(AWD)

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

Income Class withdrawals in excess ofthe annual LWA may have a negativeimpact on future LWA payments.

Payments above the LWA that willresult in an Excess Withdrawal will notbe processed if the LWA ProtectionService is on.


*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 and SunWise Essential Series 2Withdrawal Order Ticket and submitalong with this Application Form.

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

10 Banking Information/PaymentPlan DetailsPlease complete for section 8 and/or 9and attach a void cheque

11 Group TFSA


1412-1837_E (12/14)

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

I authorize CI to deposit the payments directly to my bank account as indicated on the Electronic Application or as indicated in Section 9.



I certify that I am an employee of the company or association named in this section and hereby authorize such employer or association to

deduct from my earnings and remit contributions to the CI Investments Group Plan (as indicated in Section 7) and to assist in the

administration of the Plan as my agent.

I understand that only the issuer has the authority to amend the arrangement and the ultimate responsibility for administering the

arrangement lies with the issuer.

Group Company Name ____________________________________________________________________________________

Employee's Signature _____________________________________________________________________________________

I, the Planholder 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.

Step 1 - Payment Type: Select one option, then complete the Payment Fund Breakdown and Payment Frequency, Start Date and Method sections below.

a. � Lifetime Withdrawal Amount (LWA) - withdraw only from my Income Class

b. � An annual amount of $_________ � Gross � Net of fees





g

g


Total



� Deposit directly to bank account (please complete Section 10) � Mail to Planholder’s address on file � Mail to Planholder’s alternate address (indicate address below)


Step 3 - Payment Frequency, Start Date and Method:




Complete if you selected option b in Step 1. Be sure you have filled out the Class percent (%) allocation in Step 1 for the payment option chosen.



X

10% 90%

3,000x x

x

Section 9 Automatic Withdrawal Plan (AWD)y Income Class withdrawals in

excess of the annual LWA will have a negative impact on future LWA payments.

y In the example illustrated on this page, the client elected to receive an annual amount of $3,000 from their TFSA contract by withdrawing from their Estate Class and Investment Class only. By not making withdrawals from Income Class, the client is maximizing their future guaranteed income by taking full advantage of their 5% Bonus entitlement available in Income Class.

Section 10Banking Information/Payment Plan Detailsy This section is required if

requesting an AWD with direct deposit or a PAC.

Section 11Group TFSAy Employee’s signature is required

for group plans.

14

Section 13Planholder Acknowledgement / Authorizationy Mandatory – The Planholder and

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

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

Section 14Representative’s Acknowledgement y Mandatory – All advisors must

read, sign and date this section.

13 Planholder Acknowledgement/Authorization

The Planholder and Second Life (if applicable) must read and sign this Section

Please ensure all mandatorysections have been completed.

14 Representative'sAcknowledgement

All advisors must read and sign this Section

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

M A N D A T O R Y

1412-1837_E (12/14)

X

I acknowledge that the application consists of this Application/Electronic Signature Form and any information submitted through theElectronic Application.

I hereby acknowledge having read the provisions contained in the ”Sun Life Financial Privacy Statement for Canada“ and ”CI InvestmentsPrivacy Statement for Canada“, contained in this Application, and I 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 request that all documents delivered to me in connection with this Contract be written in English. Je demande que tous les documentsqui me sont remis avec ce contrat soient rédigés en langue anglaise.

I acknowledge receipt of the Individual Variable Annuity Contract and Information Folder including any Supplements, and the FundFacts prior to signing the Application.

I acknowledge receipt of the relationship brochure entitled A Clear Connection: Your Relationship with Sun Life Financial.

I certify that all information recorded in the Application, which consists of this signed document together with the ElectronicApplication, if applicable, may be relied upon as full, accurate, complete and true.

I agree to provide any further information which may be required in connection with the registration and administration of this Contract.

By completing the Pre-Authorized Chequing Plan (PAC) and/or Banking Information/Payment Plan Details Section(s), I declare that allpersons whose signatures are required to authorize transactions in the bank account provided have read and agreed to the PAC terms and conditions as outlined at the front of this Application.

By signing this Application, I request Sun Life Assurance Company of Canada to file an election with the Minister of National Revenue toregister the qualifying arrangement as a TFSA under section 146.2 of the Income Tax Act.

Planholder's Signature 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 Planholder and to the best of my knowledge, unless

otherwise noted, these details are full, complete and true. I confirm that I have disclosed to the Planholder (a) the companies I represent,

(b) that I will receive compensation in the form of commissions or salary for the sale of this product, (c) that I may also receive additional

compensation in the form of bonuses or non-monetary benefits such 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

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 X

M A N D A T O R Y X

Y Y Y Y / M M / D D


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

y This form is to be used in conjunction with the applicable SunWise Essential Series 2 Application/Electronic Signature Form. Be sure to include the appropriate PIM fund codes in the Investment Direction section of the application/electronic signature form.

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 Namey 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 Groupy 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.

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

How to complete the PIM Account Linking Agreement Form for SunWise Essential Series 2 Contracts

16

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

Section 3 Authorizationy Mandatory – All members of the

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

How to choose a customized PIM Investment Advisory Feey 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 2 PIM Units form.

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

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


To prevent delays in establishing contracts, please make sure that all fields marked “mandatory” are completed on the application/electronic 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.

– For One-Life Income Stream contracts, annual payments are guaranteed for the life of the Annuitant.

– 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 contracts) turns 65 years of age, or turns 55 years of age if the Age 55 LWA Election was made.

2. When setting up a contract electronically, ensure the application/electronic signature form is sent in on the same day to avoid trade restrictions that apply to contracts 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 application/electronic 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 and TFSA, 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.

y Second Life’s signature is mandatory.

Six Tips to successfully establish a SunWise Essential Series 2 Contract holding Income Class Units

18

4. Maximizing your client’s LWA entitlement. y All guarantee Classes offered under SunWise Essential Series 2 will be

maintained in the same contract. This contract structure provides your client the ability to make withdrawals from one or multiple Classes.

y For RIF clients, this allows clients to continue accumulating the 5% Bonus for the Income Class units, while withdrawing the legislated minimum amount from other Classes available in their SunWise Essential Series 2 contract.

5. 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 and 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 and SunWise Essential Series 2 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.

6. LWA Protection Service y The LWA Protection Service will automatically apply to all contracts that hold

Income Class, unless otherwise specified. If the Life Income Stream has not been selected, the LWA Protection Service cannot be removed until the income stream is elected to be either One-Life or Two-Life.


How to make subsequent deposits .

y Complete OrderXPRESS through SunVision Investment Application.y If transaction authorization is not on file, have the client sign an Order ticket

(4106-E). This form is only available on the online ordering system.y If the transaction has a negotiated front-end load, complete the special instructions

section indicating the source of funds and percentage negotiated.

Important: For the first purchase into Income Class units the SunWise Essential Series and SunWise Essential Series 2 Purchase/Preauthorized Chequing Plan Order Ticket is required. It is available on www.ci.com/orderform.

How to make a standard fund switch (FEL to FEL or DSC to DSC) .


(4106-E). This form is only available on the online ordering system.

Important: For a SunWise Essential Series 2 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.

How to make a withdrawal .


(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 or, if the age 55 LWA Election is made, January 1st of the year the younger of the Annuitant or Second Life turns age 55), 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 check the LWA details on eCISS before completing withdrawals to avoid excess withdrawals.

y To make the Age 55 LWA Election, clients must complete Section 3 of the updated SunWise Essential Series and SunWise Essential Series 2 Withdrawals Order Ticket.

How to complete subsequent transactions on a SunWise Essential Series 2 Contract

20

Things to remember regarding the Age 55 LWA Election:

y If selected, the Age 55 LWA Election offers guaranteed payments for life of 3% of the LWA Base for One-Life Income Stream, or 2.5% 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.

y 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.

y 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.

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 set up an Automatic Withdrawal Plan (AWD) .

y Complete the SunWise Essential Series and SunWise Essential Series 2 Withdrawals Order ticket available at www.ci.com/orderform.

y Indicate AWD instructions in section 5 of the Withdrawals Order Ticket. Illustrated on the following page is an example of an AWD setup request.


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


Total


(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


m LWA and remainder as follows: 100%

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




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: ________________________




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*



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%

Owner’s Name (last, first, middle)

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

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.

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

PRIF/RLIF Payment Details (cont’d)

*If your Payment Start Date is prior to 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 and you would like to make the Age 55 LWA Election, please make the Age 55 LWA Election in Section 3 of this form.

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


Select an option if applicable.

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


m Deposit directly to bank account (please complete Section 7)m Mail to Owner’s address on filem Mail to Owner’s alternate address (indicate address below)


Step 3 - Payment Frequency, Start Date and Method:The payment date must be between the 1st and 25th of any month for Registered Income Plans (RIF/LIF/LRIF/PRIF/RLIF).

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



Complete if taking payments from Estate and/or Investment Class. Be sure you have filled out the Class percent (%) allocation in Step 1 for the payment option chosen.

Step 2 - Payment Fund Breakdown: For each Class you indicated above, provide your fund breakdown. Use percentages only and en-sure each Class you elect has a payment that totals 100%.



a) m RRIF minimum . . . .


m Maximize my LWA payment and withdraw remainder as follows: 100%



b) m An annual amount of $_________ m Gross m Net of fees


m Maximize my LWA payment and withdraw remainder as follows: 100%



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


m Maximize my LWA payment and withdraw remainder as follows: 100% m I am not taking LWA payments. Withdraw only from my Estate


g

g

g

g

g


Total


Total


Total

g

Turn off the LWA Protection Service so I can exceed the LWA and:

m Turn it on after this trade m Turn it on at year end m Turn it on effective __________________________ m Leave it off*

* By electing this option you will not be notified if any future withdrawals will cause an excess or early withdrawal.

Y Y Y Y / M M / D D

Contract Number _________________ ____________

1207-1072 _E (08/12)

12 Pre-Authorized Chequing Plan


� I (We) choose to receive planpayment confirmations. (All Owners receive annual statements detailing transactionsin their Contract.)














Signature(s) Date


Y Y Y Y / M M / D D

SWES SIG APP 1205-0761_E (08-12)

Y Y Y Y / M M / D D

g

g

ggg

g

g

g

g

g

g


Total


Total


Total


Total


Total

X









































Y Y Y Y / M M / D D

x

20% 80%x

Section 5Automatic Withdrawal Plan (AWD) & RRIF/LIF/LRIF/PRIF/RLIF Plan Payment Detailsy For non-registered contracts and

TFSA, please complete steps 1 (Option A), 2 and 3.

y For registered contracts, please complete steps 1 (Option B), 2 and 3.

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.

y In the example illustrated on this page, the client elected to receive their contract MAP by withdrawing from their Estate Class units and Investment Class units only. By not making withdrawals from Income Class, the client is maximizing their future guaranteed income by taking full advantage of their 5% Bonus entitlement available in Income Class.

22

How to request a reclassification of units between Classes

Use the SunWise Essential Series and SunWise Essential Series 2 Fund Transfers and Reclassifications Order Ticket

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



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

Important to notey Complete and have the client sign

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

y This form must be completed to reclassify units on a SunWise Essential Series 2 contract. Reclassifications cannot be requested via FundSERV.

y Reclassifications will be processed as a switch between funds (of different guarantee Classes) in the contract.

y This form cannot be used to reclassify multiple SunWise Essential Series 2 contracts. Forms instructing to reclassify multiple contracts will be returned to you unprocessed. Only use one form per contract.

Section 1 Contract Numbery Please ensure that the contract

number is provided.

Section 2Owner Informationy Please ensure to provide the

Owner’s information.


Section 5 Reclassificationsy Complete the Reclassifying from

and Reclassifying to selections.y Complete the Fund Instruction

in the chart provided.

Section 6 Income Class Detailsy 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 _________________ ____________

24


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.


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)***

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

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 Servicey 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.


Section 8Beneficiary Change Requesty For Registered and TFSA plans

with the 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 9 Owner Authorizationy Mandatory – For reclassification

requests, the Owner and Joint Owner must always sign and date this form.

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 form.

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


How to change from the DSC-load option to the ISC (FEL)-load option

Use the SunWise Essential Series and SunWise Essential Series 2 DSC to ISC Change Request Form

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:

– 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.

– 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 Detailsy 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 Authorizationy Mandatory – Owner and Joint

Owner must sign and date this form.

Section 4 Representative Authorizationy Mandatory – Advisor must sign

and date this form.

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

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

26

Important to note:y 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 2 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).

Section 3Select Automatic Rebalancing Methody Please ensure the Automatic

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

Section 4Create or Change Your Target Weightingy Please ensure that the funds you

choose to rebalance are within the same guarantee Class.

Section 5Select your Variancey If you do not wish to have the

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

Section 6Select your Frequencyy If you do not wish to have the default

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

Section 7Owner Authorizationy Mandatory – Owner and Joint Owner

must sign and date this form.

Section 8Representative Authorizationy Mandatory – Advisor must provide

their dealer/rep code and name.

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

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 %


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 service

Use the SunWise Essential Series and SunWise Essential Series 2 Automatic Rebalancing Service Request Form


For more information, please see the following ABC Road Maps for SunWise Essential Series 2

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 2 contract?

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

Road map for the SunWise Essential Series 2 investing in Private Investment Management (PIM)

{ Home } { Client service } { Service information } { Road maps – Market-based funds } { Road maps – Market-based funds – CI Investments }

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 a purchase for an existing SunWise Essential Series 2 contract?

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

How do I complete an initial deposit to Income Class units for an existing SunWise Essential Series 2 contract? (Including Purchase/PAC/Internal Transfers/External Transfers)

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 2 Series segregated funds . A description of the key features of the applicable individual variable annuity contract is contained in the Information Folder including any Supplements . Any amount that is allocated to a segregated fund is invested at the risk of the contractholder and may increase or decrease in value. CI Investments and CI Investments design, Harbour Advisors, Harbour Funds and Cambridge are registered trademarks of CI Investments Inc . Portfolio Series, Signature Global Asset Management and Signature Funds are trademarks of CI Investments Inc . ®SunWise is a registered trademark of Sun Life Assurance Company of Canada .

For more information about the innovative features

and benefits of SunWise Essential Series 2,

please visit www.sunwiseessentialseries.com

Sun Life Assurance Company of Canada

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

1506-0938_E (06/15)

2 Queen Street East, Twentieth Floor, Toronto, Ontario M5C 3G7 I www.ci.comCalgary403-205-43961-800-776-9027

Head Office / Toronto416-364-1145 1-800-268-9374

Montreal 514-875-00901-800-268-1602

Vancouver 604-681-33461-800-665-6994

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

Sun Life Financial Advisor Administration Guide · Sun Life Financial Advisor . Administration...

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