Members may choose from a number of investment options provided by Sun Life. When a member enrolls for plan participation, a pension package will be sent to him or her with tools to assist the member in choosing the investment that best matches their needs.

The fundamental objective is to obtain the maximum total return from dividends, interest, or capital appreciation, that is consistent with the moderate level of risk characteristic of a balanced fund containing both equity and fixed-income securities. When choosing market-based funds the value of the funds is not guaranteed in any way but will fluctuate with the market value of the assets of the fund.

Members are responsible for making investment decisions regarding their plans. Members may change their investment options at any time through the Sun Life website. The system is fully automated and provides prompts for each step. If you need assistance, staff is available during normal business hours at Sun Life Financial's Customer Care Centre: 1-866-733-8613.

The semi-annual statement sent to members lists current rates of return on all funds offered.

**Unit values and investment returns tend to fluctuate and are therefore not guaranteed by Sun Life Financial (formerly the Mutual Group). Past results are not necessarily indicative of future performance. Where funds are invested directly in the units of another fund, the rate of return for periods prior to the start of the Sun Life Financial fund is based on the return of the fund in which Sun Life invests.