SunWise Elite Plus helps mitigate the financial risks of retirement by providing you with a guaranteed income for life.

2. Jonathan Clements Personal Finance Columnist for the Wall St. Journal “ Retirement is like a long vacation. The goal is to enjoy it to the fullest, but not so fully that you run out of money . ”

3. You insure all your major assets Your life Your home Your cars, boats, etc . But what about your retirement income?

4. Changing Goals

5. Retirement Risk Zone

6. Market risk How do I protect my retirement income from market volatility? How can I draw an income and grow my money at the same time? Longevity risk How can I be certain I won’t outlive my money? Inflation risk How do I maintain my standard of living over 30 years? Retirement Risks

7. Market Risk Volatile markets – will poor performance change your retirement plans?

8. Market Risk S&P 500 Index 1998-2008 Before and during retirement 1700 1500 1300 1100 900 700 500 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008

9. Can’t control market cycles The difference – good returns early in retirement

10. What you can do about it

11. Probability that a 65 year old will live to… Longevity Risk

12. Inflation Risk Purchasing power in 20 years…

15. Guaranteed Retirement Income Sun Wise Elite Plus can help fill the gap

17. Investment Choice Leading portfolio managers

18. Managed Solutions

19. Income for Life Guaranteed income protection for retired investors Portfolio Value

20. Certainty before you retire Guaranteed income protection for pre-retirees Portfolio Value

21. Possibility of income growth Guaranteed income protection with automatic resets Portfolio Value

22. Flexiblity for changing plans Guaranteed income at any age

23. Guaranteed RRIF payments for life Guaranteed income protection provides RRIF for life

24. Under any market conditions Regardless of market performance

28. Protect your retirement income

30. All charts and illustrations in this guide are for illustrative purposes only. They are not intended to predict or project investment results. To the extent of any inconsistencies between this guide and the April 2007 Sun Wise Elite Information Folder and Individual Variable Annuity Contract, the terms of the Information Folder and Contract prevail. For full product details and disclosure, refer to the Information Folder and Contract. 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 Sun Wise Elite segregated funds. A description of the key features of the applicable individual variable annuity contract is contained in the Information Folder. SUBJECT TO ANY APPLICABLE DEATH AND MATURITY GUARANTEES, ANY AMOUNT THAT IS ALLOCATED TO A SEGREGATED FUND IS INVESTED AT THE RISK OF THE CONTRACT HOLDER AND MAY INCREASE OR DECREASE IN VALUE. ®CI Investments and the CI Investments design are registered trademarks of CI Investments Inc. ™Harbour Advisors is a trademark of CI Investments Inc. ®Sun Wise is a registered trademark of Sun Life Assurance Company of Canada. ™AIM, the chevron logo and all associated trademarks are trademarks of AIM Management Group Inc., used under licence. *TRIMARK and all associated trademarks are trademarks of AIM Funds Management Inc. ®Fidelity Investments and the Fidelity design are registered trademarks of FMR Corp. ®RBC Asset Management is a registered trademark of Royal Bank of Canada. ™TD Asset Management is a trademark of The Toronto-Dominion Bank, used under licence. Thank You